Osceola County property record for 430 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 874 sqft · built 1964 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $296,500 (Nov 2023) |
| Tax Bill | $2,973 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Aug 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0376-0045 |
| Primary APN | 01-26-30-0001-0376-0045 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 874 sqft Living Area |
| Gross Area | 1,304 sqft |
| 1st Floor Area | 754 sqft |
| Flooring | Terrazzo |
| Interior Walls | Plaster |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1984 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Garage Type | Carport |
| Garage Area | 209 sqft |
| Carport | Carport |
| Carport Area | 209 sqft |
| Porch | Florida Room |
|---|---|
| Porch Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 430 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 S 1/2 LOT 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 376 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 43500 |
Source: Osceola County records, as of August 21, 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 | 430 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 13, 2023 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Aug 22, 2018 | Warranty Deed, Transfer MORTGAGE FIRM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 13, 2023 · Amount on Record |
| Deed Sale | Nov 13, 2023 · Amount on Record |
| Prior Sale | Aug 22, 2018 · Amount on Record |
| Deed Document Number | 2023149349 |
| Deed Book / Page | 6504 / 1175 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2023 |
| Property Address | 430 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869 |
| Document Number | 0065041175 |
| Book / Page | 6504 / 1175 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Oct 31, 2023 |
| Instrument | 2023149349 |
| Transaction Type | Transfer |
| Record Updated | Dec 21, 2023 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,075.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 107 COURTHOUSE SQ # 210, 210, JONESBOROUGH, TN 37659-1307 |
| Name | Verified Name |
|---|---|
| Address | 430 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869 |
| Document Number | 0065041177 |
|---|---|
| Date | Nov 13, 2023 |
| Instrument | 6504/1177 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Number | 0065041191 |
|---|---|
| Date | Nov 13, 2023 |
| Book Page | 6504/1191 |
| Instrument | 2023149351 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 22, 2018 |
| Property Address | 430 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2869 |
| Document Number | 0053892183 |
| Book / Page | 005389 / 002183 |
| Instrument Date | Aug 15, 2018 |
| Instrument | 128466 |
| Transaction Type | Transfer |
| Record Updated | Sep 12, 2018 |
| Title Company | LAND TITLE CORPORATION |
| Amount | Amount Recorded |
|---|---|
| Tax | $255.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 430 MASSACHUSETTS AVE ST CLOUD FL 347692869, ST CLOUD, FL 34769-2869 |
| Document Number | 53892185 |
|---|---|
| Date | Aug 22, 2018 |
| Book Page | 005389/002185 |
| Instrument | 128467 |
| Name | MORTGAGE FIRM |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 21, 2048 |
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 | $2,973.00 (+2.52%) | $209,000 (+116.5%) Land $46,800 Building $162,200 | $209,000 (+12.67%) Land $46,800 Building $162,200 |
| 2024 | $2,900.00 (+196.22%) | ||
| 2023 | $979.00 (+5.38%) Homeowner's exemption | $96,534 (+3%) | $185,500 (+17.78%) Land $42,500 Building $143,000 |
| 2022 | $929.00 Homeowner's exemption | $93,723 | $157,500 Land $35,100 Building $122,400 |
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 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.
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.
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 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 |
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