Osceola County property record for 514 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,192 sqft · built 1910 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Oct 2025) |
| Tax Bill | $3,433 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Oct 2025 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 76624 |
| Primary APN | 76624 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,192 sqft Heated Area |
| Gross Area | 1,715 sqft |
| 1st Floor Area | 830 sqft |
| Upper Floors Area | 264 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 421 sqft |
| Deck Area | 60 sqft |
| Fence | Fence |
| Utility Building | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76624 |
|---|---|
| Street Address | 514 MASSACHUSETTS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2826 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33/34 BLK 15 LOTS 7 & 8 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 15 |
| Legal Lot Number | 2,7-8 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 43500 |
514 Massachusetts Ave is owned and occupied by an individual who bought it in October 2025.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 30, 2023 | Deed of Trust, Mortgage · FHA Mortgage SERVIS ONE INC |
| Oct 28, 2025 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Mar 4, 2024 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 20, 2021 | Warranty Deed, Transfer · FHA Mortgage PMAC LENDING SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 28, 2025 · Amount on File |
| Deed Sale | Oct 28, 2025 · Amount on File |
| Prior Sale | Mar 4, 2024 · Amount on File |
| Deed Document Number | 2025133679 |
| Deed Book / Page | 6872 / 134 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Transaction Type | Mortgage |
| Record Updated | Apr 2, 2026 |
| Name | Verified Name |
|---|---|
| Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0063790287 |
|---|---|
| Date | Mar 30, 2023 |
| Book Page | 6379/287 |
| Instrument | 2023036149 |
| Name | SERVIS ONE INC |
|---|---|
| Type | Mortgage Company |
| Address | IRVING, TX 75038 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 335 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 28, 2025 |
| Property Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0068720134 |
| Book / Page | 6872 / 134 |
| Map Reference | MB B PG 33 |
| Instrument Date | Oct 22, 2025 |
| Instrument | 2025133679 |
| Transaction Type | Transfer |
| Record Updated | Apr 2, 2026 |
| Title Company | GENERATIONS TITLE COMPANY LLC, GENERATION TITLE CO |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,505.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 48 IVY ST, KEARNY, NJ 07032-3303 |
| Name | Verified Name |
|---|---|
| Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0006872136 |
|---|---|
| Date | Oct 28, 2025 |
| Instrument | 6872/136 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 4, 2024 |
| Property Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0065581830 |
| Book / Page | 6558 / 1830 |
| Map Reference | MB B PGS 33 |
| Instrument Date | Feb 29, 2024 |
| Instrument | 2024027556 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2024 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1694 W ROYAL, FORT PIERCE, FL 34982 |
| Name | Verified Name |
|---|---|
| Address | 48 IVY ST, KEARNY, NJ 07032-3303 |
| Document Number | 0065581832 |
|---|---|
| Date | Mar 4, 2024 |
| Book Page | 6558/1832 |
| Instrument | 2024027557 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | 585 SOUTH BLVD E, PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 20, 2021 |
| Property Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0058740131 |
| Book / Page | 5874 / 131 |
| Map Reference | MB B PG 33 |
| Instrument Date | Jan 14, 2021 |
| Instrument | 2021008832 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | OLIVER TITLE LAW |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 10728 STATE HIGHWAY 206, 10728, WALTON, NY 13856-2335 |
| Name | Verified Name |
|---|---|
| Address | 514 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0005874133 |
|---|---|
| Date | Jan 20, 2021 |
| Instrument | 5874/133 |
| Name | PMAC LENDING SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2051 |
The 2025 property tax bill for 514 Massachusetts Ave was $3,433.
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 | $3,433.00 | $191,600 Land $46,800 Building $144,800 | $191,600 Land $46,800 Building $144,800 |
| 2023 | $2,116.00 (+4.03%) Homeowner's exemption | $159,650 (+3%) | $174,600 (+12.65%) Land $42,500 Building $132,100 |
| 2022 | $2,034.00 Homeowner's exemption | $155,000 Land $35,100 Building $119,900 | $155,000 Land $35,100 Building $119,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 514 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 514 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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