520 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 520 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,294 sqft · built 1909
Lot Size	0.086 acres (3,746 sqft)
Owner	Individual on Record
Last Sale	$105,000 (Aug 2018)
Tax Bill	$2,738 (2025)
Deeds & Mortgages	Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0015-0110`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0015-0110`
Alternative APNs	`263001000100150110` `76626`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,294 sqft Living Area
Gross Area	1,494 sqft
1st Floor Area	516 sqft
Upper Floors Area	294 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1960
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	3,746 sqft (0.086 acres)
Lot Dimensions	150 ft deep x 25 ft wide
Garage Type	Detached
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	HVAC

Location & Zoning

Street Address	520 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 LOT 11 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	11
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43500

Owner

Source: Osceola County assessment roll, 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	Individual on Record
Mailing Address	425 MARYLAND AVE, SAINT CLOUD, FL 34769-2936
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2018 · Amount on Record
Deed Sale	Aug 9, 2018 · Amount on Record
Prior Sale	Dec 3, 1997
Deed Document Number	2018121838
Deed Book / Page	5382 / 1323
Prior Transfer Date	Aug 6, 2018
Prior Transfer Doc	0053821323
Record Updated	Jun 8, 2026

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 9, 2018
Property Address	520 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2826
Document Number	0053821323
Book / Page	005382 / 001323
Instrument Date	Aug 6, 2018
Instrument	121838
Transaction Type	Transfer
Record Updated	Aug 28, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$735.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 MARYLAND AVE ST CLOUD FL 347692936, ST CLOUD, FL 34769-2936

Mortgage

Document Number	53821326
Date	Aug 9, 2018
Book Page	005382/001326
Instrument	121839

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 8, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,738.00 (+7.46%)	$176,100 (+17.4%) Land $27,500 Building $148,600	$176,100 (+17.4%) Land $27,500 Building $148,600
2024	$2,548.00 (+10.45%)
2023	$2,307.00 (+12.48%)	$150,000 (+17.46%) Land $20,000 Building $130,000	$150,000 (+17.46%) Land $20,000 Building $130,000
2022	$2,051.00	$127,700 Land $18,000 Building $109,700	$127,700 Land $18,000 Building $109,700

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

Flood

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.

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.

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 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