701 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 701 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,190 sqft · built 1980
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Tax Bill	$734 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`77270`

Property Details

APN / Parcel Number

Primary APN	`77270`
Alternative APN	`012630000100830230`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,190 sqft Heated Area
Gross Area	1,946 sqft
1st Floor Area	1,190 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	120 sqft

Exterior Amenities

Pool Area	408 sqft
Porch	Porch
Porch Area	396 sqft
Deck Area	510 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77270
Street Address	701 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-3182
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33-34 BLK 83 LOTS 23 & 24 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	83
Legal Lot Number	3,23-24 24
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3061
Census Tract	43400

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 Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	701 TENNESSEE AVE, SAINT CLOUD, FL 34769-3182
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 14, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 24, 2019	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
May 7, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2020
Deed Sale	Aug 22, 2020
Deed Document Number	2006063873
Deed Book / Page	3085 / 2123
Prior Transfer Date	Mar 6, 2006
Prior Transfer Doc	2006063873
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	701 TENNESSEE AVE, SAINT CLOUD, FL 34769-3182
Transaction Type	Mortgage
Record Updated	Mar 3, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061491467
Date	Feb 14, 2022
Book Page	6149/1467
Instrument	2022023944

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	701 TENNESSEE AVE, SAINT CLOUD, FL 34769-3182
Document Number	0055971954
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 22, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 TENNESSEE AVE ST CLOUD FL 347693182, ST CLOUD, FL 34769-3182

Mortgage

Document Number	0055971954
Date	Oct 1, 2019
Book Page	005597/001954
Instrument	126075

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	Sep 30, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	701 TENNESSEE AVE, SAINT CLOUD, FL 34769-3182
Document Number	0053330054
Instrument Date	May 7, 2018
Transaction Type	Mortgage
Record Updated	Jun 20, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	701 TENNESSEE AVE ST CLOUD FL 347693182, ST CLOUD, FL 34769-3182

Mortgage

Document Number	0053330054
Date	May 14, 2018
Book Page	005333/000054
Instrument	75691

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 13, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$734.00 (+10.04%) Homeowner's exemption	$83,924 (+5.99%)	$222,400 (+12.1%) Land $46,800 Building $175,600
2023	$667.00 (+6.55%) Homeowner's exemption	$79,184 (+3%)	$198,400 (+13.31%) Land $42,500 Building $155,900
2022	$626.00 Homeowner's exemption	$76,878	$175,100 Land $35,100 Building $140,000

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 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 93% of the US · lower than 94% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Direct burnable vegetation

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 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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