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407 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 407 Tennessee Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,516 sqft · built 1972
Lot Size0.219 acres (9,583 sqft)
OwnerIndividual Name on File
Last Sale$169,900 (Apr 2016)
Tax Bill$2,186 (2025)
Deeds & MortgagesJun 2023 Second Mortgage
Oct 2019 Mortgage
Flood ZoneZone X (minimal risk)
APN79752

Property Details

APN / Parcel Number

Primary APN79752
Alternative APN
  • 012630000103860095

Interior

Bedrooms3 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area1,516 sqft Heated Area
Gross Area2,056 sqft
1st Floor Area1,116 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1972
Effective Year BuiltEffective 1987
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,583 sqft (0.219 acres)
Lot Dimensions150 ft deep x 62.5 ft wide
Garage TypeCarport
Garage Area400 sqft
CarportCarport
PorchEnclosed Porch
Porch Area300 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number79752
Street Address407 TENNESSEE AVE
CitySAINT CLOUD
StateFL
Zip34769-2675
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE FRONT ADDN PB B PG 61-62 BLK 386 N 25 FT LOT 9 & S 37.5 FT OF LOT 10
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block386
Legal Lot Number9-10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3036
Census Tract43400

Owner

Source: Osceola County records · APN 79752

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address407 TENNESSEE AVE, SAINT CLOUD, FL 34769-2675
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 14, 2023Deed of Trust, Mortgage · Stand-Alone Second Mortgage
DISCOVER BANK
Oct 21, 2019Deed of Trust, Mortgage · Conventional Mortgage
ADDITION FIN'L CU

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 19, 2016 · Amount on Record
Deed SaleApr 19, 2016 · Amount on Record
Prior SaleNov 30, 2005 · Amount on Record
Deed Document Number2016058701
Deed Book / Page4946 / 0905
Record UpdatedJun 08, 2026

June 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address407 TENNESSEE AVE, SAINT CLOUD, FL 34769-2675
Transaction TypeMortgage
Record UpdatedJun 26, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address407 TENNESSEE AVE, SAINT CLOUD, FL 34769-2675

Mortgage

Document Number0064250242
DateJun 14, 2023
Book Page6425/242
Instrument2023077328
Lender
NameDISCOVER BANK
TypeBank
AddressGREENWOOD, DE 19950
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term360 Months
DueJun 14, 2053

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address407 TENNESSEE AVE, SAINT CLOUD, FL 34769-2675
Document Number0056130279
Instrument DateOct 21, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address407 TENNESSEE AVE ST CLOUD FL 347692675, ST CLOUD, FL 34769-2675

Mortgage

Document Number0056130279
DateOct 28, 2019
Book Page005613/000279
Instrument139314
Lender
NameADDITION FIN'L CU
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 27, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,186.00 (+6.89%) Homeowner's exemption$165,034 (+5.99%)$328,400 (+9.72%) Land $55,000 Building $273,400
2023$2,045.00 (+4.07%) Homeowner's exemption$155,712 (+3%)$299,300 (+10.24%) Land $50,000 Building $249,300
2022$1,965.00 Homeowner's exemption$151,177$271,500 Land $45,000 Building $226,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 98 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies110 units insured
12 under condo master policies
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA3 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire RiskLow
above 2% of the US · above 2% of Florida
Wildfire LikelihoodAbout 1 in 5,556 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 368 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000

May also be available at this address: Verizon, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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