404 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 404 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,161 sqft · built 1972
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Feb 2025)
Tax Bill	$4,694 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2018 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`79755`

Property Details

APN / Parcel Number

Primary APN	`79755`
Alternative APN	`012630000103870020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,161 sqft Heated Area
Gross Area	1,392 sqft
1st Floor Area	1,161 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1992
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,583 sqft (0.219 acres)
Lot Dimensions	150 ft deep x 62.5 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Patio Area	160 sqft
Fence	Fence
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79755
Street Address	404 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2676
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 61-62 BLK 387 S 37.5 FT LOT 1 & N 25 FT LOT 2
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	387
Legal Lot Number	1-2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3037
Census Tract	43400

Owner

Source: Osceola County assessment roll, as of July 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	404 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2025	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 27, 2018	Warranty Deed, Transfer ATTORNEY ONLY
Oct 2, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2025 · Amount on Record
Deed Sale	Feb 26, 2025 · Amount on Record
Prior Sale	Dec 27, 2018 · Amount on Record
Deed Document Number	2025024273
Deed Book / Page	6745 / 1453
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	404 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676
Transaction Type	Mortgage
Record Updated	Dec 11, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676

Mortgage

Document Number	0068871276
Date	Dec 2, 2025
Book Page	6887/1276
Instrument	2025147096

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	May 1, 2055

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2018
Property Address	404 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676
Document Number	0054551035
Book / Page	005455 / 001035
Instrument Date	Dec 21, 2018
Instrument	188308
Transaction Type	Transfer
Record Updated	Jan 10, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$1,307.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3570 SW 136TH CT MIAMI FL 331757231, MIAMI, FL 33175-7231

October 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2017
Property Address	404 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676
Document Number	0052160994
Book / Page	005216 / 000994
Instrument Date	Sep 16, 2017
Instrument	139746
Transaction Type	Transfer
Record Updated	Nov 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6150 SE 126TH ST BELLEVIEW FL 344205202, BELLEVIEW, FL 34420-5202

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,694.00 (+16.39%)	$270,600 (+9.6%) Land $55,000 Building $215,600	$270,600 (+9.6%) Land $55,000 Building $215,600
2023	$4,033.00 (+10.01%)	$246,900 (+10.37%) Land $50,000 Building $196,900	$246,900 (+10.37%) Land $50,000 Building $196,900
2022	$3,666.00	$223,700 Land $45,000 Building $178,700	$223,700 Land $45,000 Building $178,700

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

Flood

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 Record 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

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 at the parcel

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)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

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