412 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 412 Massachusetts Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 988 sqft · built 1948
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Oct 2021)
Tax Bill	$3,763 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`79618`

Property Details

APN / Parcel Number

Primary APN	`79618`
Alternative APN	`012630000103760025`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	988 sqft Heated Area
Gross Area	1,777 sqft
1st Floor Area	988 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1998
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	Finished
Garage Area	396 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	272 sqft
Patio Area	360 sqft
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	79618
Street Address	412 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-2869
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE FRONT ADDN PB B PG 61/62 BLK 376 S 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

Source: Osceola County records · APN 79618

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 Record	Individual Name on File
Mailing Address	412 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 19, 2021 · Amount on Record
Deed Sale	Oct 19, 2021 · Amount on Record
Prior Sale	Jul 10, 2015 · Amount on Record
Deed Document Number	2021162365
Deed Book / Page	6068 / 54
Record Updated	Jun 08, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 19, 2021
Property Address	412 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869
Document Number	0060680054
Book / Page	6068 / 54
Map Reference	MB B PG 61-64
Instrument Date	Oct 15, 2021
Instrument	2021162365
Transaction Type	Transfer
Record Updated	Nov 03, 2021
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,610.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11 67TH ST, 11, YANKEETOWN, FL 34498-2406

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	412 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869

Mortgage

Document Number	606855
Date	Oct 19, 2021
Instrument	6068/55

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

Tax Assessment & Valuation

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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,763.00 (+6.24%) Homeowner's exemption	$253,156 (+5.99%)	$284,100 (+9.69%) Land $46,800 Building $237,300
2023	$3,542.00 (+3.57%) Homeowner's exemption	$238,857 (+3%)	$259,000 (+11.69%) Land $42,500 Building $216,500
2022	$3,420.00 Homeowner's exemption	$231,900 Land $35,100 Building $196,800	$231,900 Land $35,100 Building $196,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.