Osceola County property record for 438 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 8 bd · 3 ba · 2,144 sqft · built 1910 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Owner Name on File |
| Last Sale | $60,000 (Mar 2013) |
| Tax Bill | $5,329 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 79624 |
| Primary APN | 79624 |
|---|---|
| Alternative APN |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 3 Baths |
| Units | 2 Units |
| Stories | 2 Stories |
| Building Area | 2,144 sqft Heated Area |
| Gross Area | 2,640 sqft |
| 1st Floor Area | 1,838 sqft |
| Upper Floors Area | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1910 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Enclosed Porch |
| Porch Area | 886 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 79624 |
|---|---|
| Street Address | 438 MASSACHUSETTS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2869 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | SR1A |
| Legal Description | LAKE FRONT ADDN PB B PG 61/62 BLK 376 S 50 FT LOT 5 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD MULTI FAMILY LOT |
| Legal Tract | 1 |
| Legal Block | 376 |
| Legal Lot Number | 2,5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 43500 |
The current owner of 438 Massachusetts Ave bought it in March 2013.
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 120 BAILEY LN, AUBURNDALE, FL 33823-8631 |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2013 · Amount on File |
| Deed Sale | Mar 12, 2013 · Amount on File |
| Prior Sale | Mar 18, 2003 · Amount on File |
| Deed Document Number | 2013040628 |
| Deed Book / Page | 4410 / 0509 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 438 Massachusetts Ave was $5,329.
Source: Osceola County assessment roll, as of July 1, 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 | $5,329.00 | $341,700 Land $53,900 Building $287,800 | $341,700 Land $53,900 Building $287,800 |
| 2023 | $4,683.00 (+16.55%) | $326,200 (+29.29%) Land $46,200 Building $280,000 | $326,200 (+29.29%) Land $46,200 Building $280,000 |
| 2022 | $4,018.00 | $252,300 Land $40,000 Building $212,300 | $252,300 Land $40,000 Building $212,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 438 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 risk around 438 Massachusetts Ave is low, with a 0.01% 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 | 0.01% 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 526 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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