518 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 518 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,100 sqft · built 1980
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Tax Bill	$3,349 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Apr 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`76724`

Property Details

APN / Parcel Number

Primary APN	`76724`
Alternative APN	`012630000100260070`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	1 Plumbing Fixture
Stories	1 Story
Building Area	1,100 sqft Heated Area
Gross Area	1,556 sqft
1st Floor Area	1,100 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Foundation Type	Footing
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
Garage Type	Finished
Garage Area	252 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	204 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	76724
Street Address	518 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-2678
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33 BLK 26 LOT 7 & 8 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	26
Legal Lot Number	3,7-8 8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3046
Census Tract	43400

Owner

518 Tennessee Ave is owned and occupied by an individual who acquired it in April 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678
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.

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Special Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Apr 5, 2022	Special Warranty Deed, Transfer MORTGAGE CONNECT LP
Oct 22, 2021	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Aug 10, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 7, 2022
Deed Sale	Apr 7, 2022
Prior Sale	Apr 5, 2022 · Amount on File
Deed Document Number	2022055800
Deed Book / Page	6189 / 2451
Record Updated	Jun 8, 2026

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 7, 2022
Property Address	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678
Document Number	0061892451
Book / Page	6189 / 2451
Map Reference	MB B PG 33&34
Instrument Date	Mar 21, 2022
Instrument	2022055800
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	MORTGAGE CONNECT LP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	175 GREENWICH ST, 175, NEW YORK, NY 10007-2439

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678

Mortgage

Document Number	0061892454
Date	Apr 7, 2022
Instrument	6189/2454

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

April 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2022
Property Address	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678
Document Number	0061871530
Book / Page	6187 / 1530
Map Reference	MB B PG 33&34
Instrument Date	Mar 16, 2022
Instrument	2022053925
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	MORTGAGE CONNECT LP

Transaction

Amount	Amount on Record
Tax	$1,820.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 702395, SAINT CLOUD, FL 34770-2395

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	175 GREENWICH ST FL 59, 59, NEW YORK, NY 10007-2450

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 22, 2021
Property Address	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678
Document Number	0060710043
Book / Page	6071 / 43
Map Reference	MB B PG 33&34
Instrument Date	Oct 14, 2021
Instrument	2021164906
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ACCOMODATION, ACCOMMODATION

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	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2018
Property Address	518 TENNESSEE AVE, SAINT CLOUD, FL 34769-2678
Document Number	0053822249
Book / Page	005382 / 002249
Instrument Date	Jul 11, 2018
Instrument	122149
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$101.50
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 TENNESSEE AVE ST CLOUD FL 347692678, ST CLOUD, FL 34769-2678

Tax Assessment & Valuation

The 2025 property tax bill for 518 Tennessee Ave was $3,349 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,349.00 Homeowner's exemption	$230,000 Land $46,800 Building $183,200	$230,000 Land $46,800 Building $183,200
2023	$3,699.00 (+1,014.16%)	$205,200 (+212.8%) Land $42,500 Building $162,700	$205,200 (+30.37%) Land $42,500 Building $162,700
2022	$332.00 Homeowner's exemption Senior Citizen's exemption	$65,602	$157,400 Land $35,100 Building $122,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 518 Tennessee Ave in Zone X, an area of minimal flood risk, though there have been 24 flood claims 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 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

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

Wildfire risk around 518 Tennessee 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 96% of the US · lower than 96% 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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 539 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

May also be available: AT&T, Verizon.

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