Osceola County property record for 521 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1974 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $243,500 (Sep 2025) |
| Tax Bill | $2,428 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76718 |
| Primary APN | 76718 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 912 sqft Heated Area |
| 1st Floor Area | 912 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1974 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Shed | 1 Shed |
| Shed Area | 81 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76718 |
|---|---|
| Street Address | 521 TENNESSEE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2677 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 33 BLK 25 LOTS 17 & 18 3/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 25 |
| Legal Lot Number | 3,17-18 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3047 |
| Census Tract | 43400 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 521 TENNESSEE AVE, SAINT CLOUD, FL 34769-2677 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 4, 2025 · Amount on Record |
| Deed Sale | Sep 4, 2025 · Amount on Record |
| Prior Sale | Sep 11, 2000 · Amount on Record |
| Deed Document Number | 2025110488 |
| Deed Book / Page | 6845 / 422 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 4, 2025 |
| Property Address | 521 TENNESSEE AVE, SAINT CLOUD, FL 34769-2677 |
| Document Number | 0068450422 |
| Book / Page | 6845 / 422 |
| Map Reference | MB 8 PG 33&34 |
| Instrument Date | Sep 2, 2025 |
| Instrument | 2025110488 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,704.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 23 OAKRIDGE CT, ELKTON, MD 21921-3927 |
| Name | Verified Name |
|---|---|
| Address | 521 TENNESSEE AVE, SAINT CLOUD, FL 34769-2677 |
| Document Number | 0006845424 |
|---|---|
| Date | Sep 4, 2025 |
| Instrument | 6845/424 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Number | 0068450438 |
|---|---|
| Date | Sep 4, 2025 |
| Book Page | 6845/438 |
| Instrument | 2025110490 |
| Name | OSCEOLA COUNTY HUMAN SERVICES |
|---|---|
| Type | Government Agency |
| Address | KISSIMMEE, FL 34741 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
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 | $2,428.00 (+7.39%) | $152,300 (+1.94%) Land $46,800 Building $105,500 | $152,300 (+1.94%) Land $46,800 Building $105,500 |
| 2024 | $2,261.00 (+9.07%) | $149,400 (+10.67%) Land $46,800 Building $102,600 | $149,400 (+10.67%) Land $46,800 Building $102,600 |
| 2023 | $2,073.00 (+11.81%) | $135,000 (+15.68%) Land $42,500 Building $92,500 | $135,000 (+15.68%) Land $42,500 Building $92,500 |
| 2022 | $1,854.00 | $116,700 Land $35,100 Building $81,600 | $116,700 Land $35,100 Building $81,600 |
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 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 |
|
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 97% of the US · lower than 96% of Florida |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 439 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Hotwire Communications.
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