5 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 5 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 1,048 sqft · built 1985
Lot Size	0.029 acres (1,263 sqft)
Owner	2 Individual Names on File
Last Sale	$153,000 (Sep 2020)
Tax Bill	$1,136 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`03-26-30-0413-0001-1010`

Property Details

APN / Parcel Number

Primary APN	`03-26-30-0413-0001-1010`
Alternative APNs	`263003041300011010` `81606`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,048 sqft Living Area
Gross Area	1,248 sqft
1st Floor Area	1,048 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	L-Shape
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,263 sqft (0.029 acres)
Porch	Finished Vinyl Porch
Porch Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2103
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Legal Description	LAKESHORE VILLAGE PHASE I CB 1 PG 249-251 UNIT 101
Legal Range	30E
Legal Township	26S
Legal Section	03
Legal Subdivision	LAKESHORE VLG PH 1 CONDO
Legal Phase	1
Legal Tract	413
Legal Block	1010
Legal Lot Number	101
Legal Unit	101
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3010
Census Tract	43400

Owner

Source: Osceola County records · APN 03-26-30-0413-0001-1010

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	5 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 09, 2020 · Amount on Record
Deed Sale	Sep 09, 2020 · Amount on Record
Prior Sale	Dec 12, 2011 · Amount on Record
Deed Document Number	2020120367
Deed Book / Page	5790 / 1987
Prior Transfer Date	Nov 12, 2010
Prior Transfer Doc	0040631065
Record Updated	Jun 08, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 09, 2020
Property Address	5 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103
Document Number	0057901987
Book / Page	5790 / 1987
Map Reference	MB 767 PG 1135
Instrument Date	Sep 04, 2020
Instrument	2020120367
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,071.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	673 ADRIANE PARK CIR, 673, KISSIMMEE, FL 34744-4902

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5 TENNESSEE AVE, SAINT CLOUD, FL 34769-2103

Mortgage

Document Number	0057901988
Date	Sep 09, 2020
Instrument	5790/1988

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$1,136.00 (+4.22%) Homeowner's exemption	$106,594 (+5.99%)	$135,800 (-0.73%) Building $135,800
2024	$1,090.00 (+4.01%)
2023	$1,048.00 (+5.22%) Homeowner's exemption	$100,573 (+3%)	$136,800 (+25.27%) Building $136,800
2022	$996.00 Homeowner's exemption	$97,644	$109,200 Building $109,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970434003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
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	Moderate above 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation at the parcel

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, availability as of December 31, 2025 · sampled at 368 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, 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.