Osceola County property record for 416 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,694 sqft · built 1972 |
| Lot Size | 0.215 acres (9,365 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Apr 2026) |
| Tax Bill | $2,488 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Apr 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0387-0035 |
| Primary APN | 01-26-30-0001-0387-0035 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,694 sqft Living Area |
| Gross Area | 2,094 sqft |
| 1st Floor Area | 1,694 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1972 |
|---|---|
| Effective Year Built | Effective 1992 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / 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 |
| Garage Type | Carport |
| Garage Area | 220 sqft |
| Carport | Carport |
| Carport Area | 220 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 180 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 416 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 50 FT LOT 3 & N 12.5 FT LOT 4 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 387 |
| Legal Lot Number | 35 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3037 |
| Census Tract | 43400 |
Source: Osceola County records, as of July 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 416 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Apr 23, 2026 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 23, 2026 · Amount on Record |
| Deed Sale | Apr 23, 2026 · Amount on Record |
| Prior Sale | Jun 17, 2016 · Amount on Record |
| Deed Document Number | 202653796 |
| Deed Book / Page | 6959 / 2770 |
| Prior Transfer Date | Mar 29, 2007 |
| Prior Transfer Doc | 0034582618 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 416 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676 |
| Transaction Type | Mortgage |
| Record Updated | May 1, 2026 |
| Name | Verified Name |
|---|---|
| Address | 416 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676 |
| Document Number | 0058850599 |
|---|---|
| Date | Feb 4, 2021 |
| Book Page | 5885/599 |
| Instrument | 2021016728 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 23, 2026 |
| Property Address | 416 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676 |
| Document Number | 0069592770 |
| Book / Page | 6959 / 2770 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 202653796 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240,380.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 416 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676 |
| Document Number | 0000053797, |
|---|---|
| Date | Apr 23, 2026 |
| Book Page | 6959/2772 |
| Instrument | 202653797 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.11% |
|---|---|
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,488.00 (+3.67%) Homeowner's exemption | $181,898 (+5.99%) | $341,400 (+9.53%) Land $55,000 Building $286,400 |
| 2024 | $2,400.00 (+2.96%) | ||
| 2023 | $2,331.00 (+3.92%) Homeowner's exemption | $171,624 (+3%) | $311,700 (+10.22%) Land $50,000 Building $261,700 |
| 2022 | $2,243.00 Homeowner's exemption | $166,626 | $282,800 Land $45,000 Building $237,800 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures