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622 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 622 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,122 sqft · built 1915
Lot Size0.172 acres (7,492 sqft)
Owner2 Individual Names on Record
Last Sale$245,000 (Dec 2020)
Tax Bill$4,709 (2025)
Deeds & MortgagesMay 2026 Mortgage
Nov 2021 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0044-0110

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0044-0110
Alternative APNs
  • 263001000100440110
  • 76901

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,122 sqft Living Area
Gross Area1,391 sqft
1st Floor Area1,122 sqft
FlooringWood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1915
Effective Year BuiltEffective 2009
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions150 ft deep x 50 ft wide

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area396 sqft
PorchOpen/Unfinished Porch
Porch Area260 sqft
Deck Area400 sqft
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address622 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 LOTS 11 & 12 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block44
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1025
Census Tract43500

Owner

Source: Osceola County records, as of May 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1821 ROOSEVELT PL, SAINT CLOUD, FL 34769-1848
Owner TypeIndividual
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
May 4, 2026Deed of Trust, Mortgage · Conventional Mortgage
LENDER MORTGAGE INC
Nov 4, 2021Intrafamily Transfer, Transfer
Dec 29, 2020Warranty Deed, Transfer · Conventional Mortgage
FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 29, 2020 · Amount on Record
Deed SaleDec 29, 2020 · Amount on Record
Prior SaleAug 23, 2010 · Amount on Record
Deed Document Number2020176311
Deed Book / Page5860 / 500
Last Transfer DateNov 1, 2021
Transfer Doc0060801651
Record UpdatedOct 29, 2026

May 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateMay 4, 2026
Property Address622 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0000058227
Book / Page6965 / 998
Instrument DateMay 1, 2026
Instrument202658227
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyLENDWISE MORTGAGE

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
Address1821 ROOSEVELT PL, SAINT CLOUD, FL 34769-1848

Mortgage

Document Number0000058227,
DateMay 4, 2026
Book Page6965/998
Instrument202658227
Lender
NameLENDER MORTGAGE INC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 1, 2056
Interest
Rate TypeFixed Rate
Rate6.46%
Initial TypeFixed Rate
Max Rate-1%

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 4, 2021
Property Address622 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0060801651
Book / Page6080 / 1651
Map ReferenceMB B PG 33&34
Instrument DateNov 1, 2021
Instrument2021172281
Transaction TypeTransfer
Record UpdatedAug 1, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2421 RAVEN CROFT CT, 2421, ORLANDO, FL 32837-5310

Transferred To (Grantee/Buyer)

NameVerified Name
Address2642 ANDROS LN, KISSIMMEE, FL 34747-1810

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 29, 2020
Property Address622 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-2828
Document Number0058600500
Book / Page5860 / 500
Map ReferenceMB B PG 33&34
Instrument DateDec 28, 2020
Instrument2020176311
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyALLIANCE TITLE SERVICES LTD

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,715.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address14746 COUNTY ROAD 565A, 14746, GROVELAND, FL 34736-9365

Transferred To (Grantee/Buyer)

NameVerified Name
Address2421 RAVEN CROFT CT, ORLANDO, FL 32837-5310

Mortgage

Document Number0005860502
DateDec 29, 2020
Instrument5860/502
Lender
NameFAIRWAY INDEPENDENT MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$4,709.00 (+8.9%)$274,700 (+11.49%) Land $46,800 Building $227,900$274,700 (+11.49%) Land $46,800 Building $227,900
2024$4,324.00 (+8.37%)
2023$3,990.00 (+10.4%)$246,400 (+11.39%) Land $42,500 Building $203,900$246,400 (+11.39%) Land $42,500 Building $203,900
2022$3,614.00$221,200 Land $35,100 Building $186,100$221,200 Land $35,100 Building $186,100

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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