Osceola County property record for 615 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 978 sqft · built 1909 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $176,700 (Sep 2019) |
| Tax Bill | $1,922 (2025) |
| Deeds & Mortgages | Sep 2019 Sale & Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 76914 |
| Primary APN | 76914 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 978 sqft Heated Area |
| Gross Area | 1,450 sqft |
| 1st Floor Area | 780 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1909 |
|---|---|
| Effective Year Built | Effective 2009 |
| Exterior Material | Aluminum Siding |
| 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 |
| Garage Type | Detached - Unfinished |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 310 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 76914 |
|---|---|
| Street Address | 615 MASSACHUSETTS AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2827 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 45 LOTS 17 & 18 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD |
| Legal Tract | 1 |
| Legal Block | 45 |
| Legal Lot Number | 2,17-18 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 43500 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 615 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2827 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 9, 2019 | Warranty Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC |
| Jul 27, 2018 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUOP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 9, 2019 · Amount on Record |
| Deed Sale | Sep 9, 2019 · Amount on Record |
| Prior Sale | Jul 27, 2018 · Amount on Record |
| Deed Document Number | 0055852370 |
| Deed Book / Page | 5585 / 2370 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 9, 2019 |
| Property Address | 615 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2827 |
| Document Number | 0055852370 |
| Book / Page | 5585 / 2370 |
| Map Reference | MB B PG 33-34 |
| Instrument Date | Sep 9, 2019 |
| Instrument | 2019115633 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,236.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1244 BEACHSIDE LN, 1244, INDIALANTIC, FL 32903-2557 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 615 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2827 |
| Document Number | 0055852371 |
|---|---|
| Date | Sep 9, 2019 |
| Instrument | 5585/2371 |
| Name | NORTHPOINT MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2018 |
| Property Address | 615 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2827 |
| Document Number | 0053750002 |
| Book / Page | 5375 / 0002 |
| Map Reference | MB B PG33&34 |
| Instrument Date | Jul 27, 2018 |
| Instrument | 2018115366 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,050.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 802 COLLEGE AVE, 802, ANDERSON, SC 29621-4030 |
| Name | Verified Name |
|---|---|
| Address | 615 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2827 |
| Document Number | 2018115367 |
|---|---|
| Date | Jul 27, 2018 |
| Instrument | 2018115367 |
| Name | ATLANTIC BAY MORTGAGE GROUOP LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2048 |
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 | $1,922.00 (+7.13%) Homeowner's exemption | $150,271 (+5.99%) | $215,100 (+9.69%) Land $46,800 Building $168,300 |
| 2023 | $1,794.00 (+4.24%) Homeowner's exemption | $141,783 (+3%) | $196,100 (+12.38%) Land $42,500 Building $153,600 |
| 2022 | $1,721.00 Homeowner's exemption | $137,654 | $174,500 Land $35,100 Building $139,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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