424 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 424 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,488 sqft · built 1972
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$450,000 (Dec 2021)
Tax Bill	$7,222 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`012630000103870050`

Property Details

APN / Parcel Number

Primary APN	`012630000103870050`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,488 sqft Heated Area
Gross Area	3,084 sqft
1st Floor Area	2,488 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	125 ft deep x 87 ft wide
Garage Area	2,020 sqft
Porch	Porch
Porch Area	64 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	424 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	LAKE FRONT ADDN PB B PG 61-62 BLK 387 LOT 5 & S 25 FT LOT 4 3-26-30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	387
Legal Lot Number	3-5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3037
Census Tract	43400

Owner

Source: Osceola County records · APN 012630000103870050

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	424 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 30, 2021 · Amount on Record
Deed Sale	Dec 30, 2021 · Amount on Record
Prior Sale	Dec 01, 2010 · Amount on Record
Deed Document Number	2021201501
Deed Book / Page	6118 / 2881
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2021
Property Address	424 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676
Document Number	0061182881
Book / Page	6118 / 2881
Map Reference	MB B PG 61
Instrument Date	Dec 28, 2021
Instrument	2021201501
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2472 INDEPENDENCE LN, SAINT CLOUD, FL 34772-8623

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	424 TENNESSEE AVE, SAINT CLOUD, FL 34769-2676

Mortgage

Document Number	0061182882
Date	Dec 30, 2021
Instrument	6118/2882

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

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	$7,222.00 (+5.8%) Homeowner's exemption	$446,157 (+5.99%)	$508,000 (+9.13%) Land $63,200 Building $444,800
2023	$6,826.00 (+3.27%) Homeowner's exemption	$420,956 (+3%)	$465,500 (+9.71%) Land $57,500 Building $408,000
2022	$6,610.00 Homeowner's exemption	$408,696	$424,300 Land $51,800 Building $372,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 96% of Florida
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: AT&T, Verizon.

Based on FCC filings for 539 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.