339 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 339 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,464 sqft · built 1972
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Last Sale	$310,000 (Aug 2022)
Tax Bill	$9,896 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Mar 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0395-0060`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0395-0060`
Alternative APNs	`263001000103950060` `79870`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,464 sqft Living Area
1st Floor Area	1,187 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.215 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide

Exterior Amenities

Porch	Florida Room
Porch Area	160 sqft
Shed	1 Shed
Shed Area	35 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	339 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61 BLK 395 S 62.5 FT LOT 6
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD 2ND PLAT TOWN OF
Legal Block	395
Legal Lot Number	6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	43400

Owner

339 Tennessee Ave is owned and occupied by two individuals who bought it in August 2022.

Source: Osceola County records, as of October 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2023	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Mar 18, 2026	Deed of Trust, Mortgage · Partial Claim Mortgage PLANET HOME LENDING LLC
Apr 22, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Aug 4, 2022	Warranty Deed, Transfer · FHA Mortgage RESIDENTIAL ACCEPTANCE CORP
Sep 22, 2021	Warranty Deed, Transfer · Commercial Mortgage ROI FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2022 · Amount on File
Deed Sale	Aug 4, 2022 · Amount on File
Prior Sale	Sep 22, 2021 · Amount on File
Deed Document Number	2022119496
Deed Book / Page	6263 / 1339
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	0065061912
Date	Nov 17, 2023
Book Page	6506/1912
Instrument	2023151554

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	344 Months
Due	Jul 1, 2052

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	0069391955
Date	Mar 18, 2026
Book Page	6939/1955
Instrument	2026036202

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	Partial Claim Mortgage
Amount	Amount on Record
Term	316 Months
Due	Jul 1, 2052

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Transaction Type	Mortgage
Record Updated	Apr 2, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	0067751082
Date	Apr 22, 2025
Book Page	6775/1082
Instrument	2025050754

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	327 Months
Due	Jul 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2022
Property Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0062631339
Book / Page	6263 / 1339
Map Reference	MB B PG 61
Instrument Date	Jun 9, 2022
Instrument	2022119496
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4903 DRIFT TIDE DR, NEW PORT RICHEY, FL 34652-5975

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673

Mortgage

Document Number	0062631341
Date	Aug 4, 2022
Instrument	6263/1341

Lender

Name	RESIDENTIAL ACCEPTANCE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2052

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 22, 2021
Property Address	339 TENNESSEE AVE, SAINT CLOUD, FL 34769-2673
Document Number	0060490400
Book / Page	6049 / 400
Map Reference	MB B PG 61
Instrument Date	Sep 17, 2021
Instrument	2021147019
Transaction Type	Transfer
Record Updated	Jun 1, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,365.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1501 OAK DR, MURFREESBORO, TN 37128-5572

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4903 DRIFT TIDE DR, NEW PORT RICHEY, FL 34652-5975

Mortgage

Document Number	0006049401
Date	Sep 22, 2021
Instrument	6049/401

Lender

Name	ROI FUNDING LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 339 Tennessee Ave was $9,896 with a homeowner's exemption, up 119.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,896.00 (+119.57%) Homeowner's exemption	$262,100 Land $60,000 Building $202,100	$262,100 Land $60,000 Building $202,100
2024	$4,507.00 (+10.11%)
2023	$4,093.00 (+20.88%)	$227,100 (+20.99%) Land $55,000 Building $172,100	$227,100 (+20.99%) Land $55,000 Building $172,100
2022	$3,386.00	$187,700 Land $50,000 Building $137,700	$187,700 Land $50,000 Building $137,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 339 Tennessee Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 98 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	110 units insured incl. 12 condo units
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	3 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 339 Tennessee Ave is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 97.6% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 368 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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