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608 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 608 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,522 sqft · built 1915
Lot Size0.119 acres (5,227 sqft)
OwnerIndividual Name on Record
Tax Bill$2,235 (2025)
Deeds & MortgagesFeb 2021 Sale & Mortgage
Oct 2019 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN76898

Property Details

APN / Parcel Number

Primary APN76898
Alternative APN
  • 012630000100440050

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,522 sqft Heated Area
Gross Area1,774 sqft
1st Floor Area1,362 sqft
FlooringTile
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 1989
Exterior MaterialAluminum Siding
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area5,227 sqft (0.119 acres)
Lot Dimensions90 ft deep x 60 ft wide

Exterior Amenities

PorchEnclosed Porch
Porch Area412 sqft
FenceFence
Shed1 Shed
Shed Area96 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number76898
Street Address608 MASSACHUSETTS AVE
CitySAINT CLOUD
StateFL
Zip34769-2828
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR2
Legal DescriptionST CLOUD PB B PG 34 BLK 44 THE E 90 FT OF LOTS 5 & 6 AND THE E 90 FT OF THE S 10 FT OF LOT 4 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block44
Legal Lot Number2,4-6 6
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1025
Census Tract43500

Owner

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 RecordIndividual Name on Record
Mailing Address608 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2021Warranty Deed, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Oct 8, 2019Warranty Deed, Transfer
STEWART TITLE
Oct 8, 2019Warranty Deed, Transfer
BRENDA TERRELL
Oct 8, 2019Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed NamesName on Deed
Last SaleFeb 14, 2025
Deed SaleFeb 14, 2025
Prior SaleOct 8, 2019 · Amount on Record
Deed Document Number2021026747
Deed Book / Page5897 / 1593
Prior Transfer DateFeb 24, 2021
Prior Transfer Doc2021026747
Record UpdatedJun 8, 2026

February 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 24, 2021
Property Address608 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0058971593
Book / Page5897 / 1593
Map ReferenceMB B PG 33&34
Instrument DateFeb 16, 2021
Instrument2021026747
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,288.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address117B BROADWAY, 117B, KISSIMMEE, FL 34741-5713

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address608 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828

Mortgage

Document Number0058971595
DateFeb 24, 2021
Instrument5897/1595
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 8, 2019
Property Address608 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0056021366
Book / Page005602 / 001366
Instrument DateOct 4, 2019
Instrument130011
Transaction TypeTransfer
Record UpdatedOct 23, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$455.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address117B BROADWAY KISSIMMEE FL 347415713, KISSIMMEE, FL 34741-5713

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 8, 2019
Property Address608 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0056021368
Book / Page005602 / 001368
Instrument DateOct 4, 2019
Instrument130013
Transaction TypeTransfer
Record UpdatedOct 23, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$227.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address17 BROADWAY #B KISSIMMEE FL 347415783, B, KISSIMMEE, FL 34741-5783

Mortgage

Document Number56021369
DateOct 8, 2019
Book Page005602/001369
Instrument130014
Lender
NameBRENDA TERRELL
Address4204 PRAIRIE IRIS CT, ST CLOUD, FL 34772-7742
Agreement
AmountAmount Recorded
Interest
Rate5%

October 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 8, 2019
Property Address608 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0056021367
Book / Page005602 / 001367
Instrument DateOct 4, 2019
Instrument130012
Transaction TypeTransfer
Record UpdatedOct 23, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$227.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address117B BROADWAY KISSIMMEE FL 347415713, KISSIMMEE, FL 34741-5713

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,235.00 (+6.84%) Homeowner's exemption$167,788 (+5.99%)$208,800 (+17.11%) Land $46,800 Building $162,000
2023$2,092.00 (+4.08%) Homeowner's exemption$158,311 (+3%)$178,300 (+16.01%) Land $34,000 Building $144,300
2022$2,010.00 Homeowner's exemption$153,700 Land $30,600 Building $123,100$153,700 Land $30,600 Building $123,100

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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