515 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 515 Massachusetts Ave, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,213 sqft · built 1981
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$75,000 (Feb 2010)
Tax Bill	$1,932 (2025)
Deeds & Mortgages	Jun 2023 Transfer Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0014-0170`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0014-0170`
Alternative APNs	`263001000100140170` `76617`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,213 sqft Living Area
Gross Area	1,586 sqft
1st Floor Area	1,033 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1986
Architectural Style	L-Shape
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 50 ft wide
Garage Type	Attached
Garage Area	338 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	215 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	515 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-2825
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD PB B PG 33-34 BLK 14 LOTS 17 & 18 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	14
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0001-0014-0170

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	515 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2825
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Life Estate

Deeds, Mortgages & Sale History

Date	Document
Jun 09, 2023	Correction Deed ACCOMODATION, ACCOMMODATION
Feb 22, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 26, 2010 · Amount on Record
Deed Sale	Feb 26, 2010 · Amount on Record
Prior Sale	Jan 06, 2003 · Amount on Record
Deed Document Number	201028281
Deed Book / Page	3954 / 334
Last Transfer Date	May 31, 2023
Transfer Doc	0064221160
Record Updated	Jun 08, 2026

June 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 09, 2023
Property Address	515 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2825
Document Number	0064221160
Book / Page	6422 / 1160
Map Reference	MB B PG 33&34
Instrument Date	May 31, 2023
Instrument	2023074814
Record Updated	Jun 26, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	515 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2825

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2825

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 22, 2021
Property Address	515 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2825
Document Number	0058951047
Book / Page	5895 / 1047
Map Reference	MB B PG 33&34
Instrument Date	Feb 12, 2021
Instrument	2021024812
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	STATES TITLE FTS AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2825

Mortgage

Document Number	0058951049
Date	Feb 22, 2021
Instrument	5895/1049

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

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	$1,932.00 (+4.15%) Homeowner's exemption Senior Citizen's exemption	$162,490 (+11.2%)	$235,600 (+11.55%) Land $46,800 Building $188,800
2024	$1,855.00 (-5.12%)
2023	$1,955.00 (+12.1%) Homeowner's exemption Senior Citizen's exemption	$146,128 (+13.1%)	$211,200 (+17.53%) Land $42,500 Building $168,700
2022	$1,744.00 Homeowner's exemption Senior Citizen's exemption	$129,198	$179,700 Land $35,100 Building $144,600

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 120970435001, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
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, availability as of December 31, 2025 · Published October 2026 · based on 526 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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