410 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 410 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,219 sqft · built 1950
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Owner Names on File
Last Sale	$67,000 (Nov 2001)
Tax Bill	$3,140 (2025)
Deeds & Mortgages	Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79617`

Property Details

APN / Parcel Number

Primary APN	`79617`
Alternative APN	`012630000103760020`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,219 sqft Heated Area
Gross Area	1,807 sqft
1st Floor Area	1,219 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1965
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Carport
Carport	Carport
Porch	Open Porch
Porch Area	204 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Account Number	79617
Street Address	410 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-2869
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1A
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 376 N 50 FT LOT 2 2/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	376
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43500

Owner

The current owner of 410 Massachusetts Ave bought it in November 2001.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Owner Names on File
Mailing Address	6190 ALLIGATOR LAKE SHR W, SAINT CLOUD, FL 34771-7331

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 21, 2001 · Amount on File
Deed Sale	Nov 21, 2001 · Amount on File
Prior Sale	Jan 29, 1996
Deed Document Number	0196100178
Deed Book / Page	01961 / 00178
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	410 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869
Document Number	0051201488
Book / Page	005120 / 001488
Instrument Date	Mar 20, 2017
Transaction Type	Mortgage
Record Updated	Apr 12, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6190 ALLIGATOR LAKE SHR W ST CLOUD FL 347717331, ST CLOUD, FL 34771-7331

Mortgage

Document Number	0051201488
Date	Mar 22, 2017
Book Page	005120/001488
Instrument	44037

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Mar 21, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 410 Massachusetts Ave was $3,140.

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	$3,140.00	$194,400 Land $46,800 Building $147,600	$194,400 Land $46,800 Building $147,600
2023	$2,677.00 (+11.68%)	$171,800 (+15.22%) Land $42,500 Building $129,300	$171,800 (+15.22%) Land $42,500 Building $129,300
2022	$2,397.00	$149,100 Land $35,100 Building $114,000	$149,100 Land $35,100 Building $114,000

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

Flood

FEMA maps place 410 Massachusetts Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim 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 17 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	17 in force
Nearby Flood Claims	1 (1994)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 1994 · rainfall accumulation

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 410 Massachusetts 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 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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 306 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
Verizon Fixed Wireless	300 / 20