Osceola County property record for 516 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 2,376 sqft · built 1910 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $365,000 (Feb 2024) |
| Tax Bill | $1,788 (2025) |
| Deeds & Mortgages | Nov 2023 Construction Loan Apr 2022 Sale & Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0015-0090 |
| Primary APN | 01-26-30-0001-0015-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,376 sqft Living Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,320 sqft |
| Upper Floors Area | 1,056 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1910 |
|---|---|
| Effective Year Built | Effective 1960 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 420 sqft |
| Porch | Florida Room |
| Porch Area | 144 sqft |
| Deck Area | 294 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 516 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 9 & 10 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 | 15 |
| Legal Lot Number | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 43500 |
Source: Osceola County records, as of November 26, 2025
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 | 516 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Nov 1, 2023 | Deed of Trust, Mortgage · Construction Mortgage HIS CAPITAL FUNDING |
| Apr 1, 2022 | Warranty Deed, Transfer · Stand-Alone Second Mortgage HIS CAPITAL SOURCE FLORIDA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 23, 2024 · Amount on Record |
| Deed Sale | Feb 23, 2024 · Amount on Record |
| Prior Sale | Apr 1, 2022 · Amount on Record |
| Deed Document Number | 202424111 |
| Deed Book / Page | 6554 / 1521 |
| Prior Transfer Date | Sep 22, 2007 |
| Prior Transfer Doc | 0035711061 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 516 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2023 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE AGCY SVCS INC |
| Name | Verified Name |
|---|
| Document Number | 0064981572 |
|---|---|
| Date | Nov 1, 2023 |
| Book Page | 6498/1572 |
| Instrument | 2023143987 |
| Name | HIS CAPITAL FUNDING |
|---|---|
| Type | Non-Lending Institution |
| Address | ORLANDO, FL 32837 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Nov 1, 2024 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 1, 2022 |
| Property Address | 516 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826 |
| Document Number | 0061851691 |
| Book / Page | 6185 / 1691 |
| Map Reference | MB B PG 33&34 |
| Instrument Date | Mar 1, 2022 |
| Instrument | 2022052595 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2022 |
| Title Company | PREMIER TITLE COMPANY, PREMIER TITLE AGCY SVCS INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,158.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1751 BEACON DR, 1751, SANFORD, FL 32771-9723 |
| Name | Verified Name |
|---|---|
| Address | 440 OLD POST RD, EDISON, NJ 08817-4645 |
| Document Number | 0061851693 |
|---|---|
| Date | Apr 1, 2022 |
| Instrument | 6185/1693 |
| Name | HIS CAPITAL SOURCE FLORIDA |
|---|---|
| Type | Mortgage Company |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Apr 1, 2023 |
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 | $1,788.00 (-57.51%) | $142,812 (-27.43%) | $286,300 (+45.48%) Land $46,800 Building $239,500 |
| 2024 | $4,208.00 (+18.6%) | ||
| 2023 | $3,548.00 (+30.25%) | $196,800 (+14.15%) Land $42,500 Building $154,300 | $196,800 (+14.15%) Land $42,500 Building $154,300 |
| 2022 | $2,724.00 | $172,400 Land $35,100 Building $137,300 | $172,400 Land $35,100 Building $137,300 |
Assessed value is set for property tax purposes, not a market price estimate; it is 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 | 0.01% 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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