Osceola County property record for 706 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,516 sqft · built 1950 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $269,000 (Jul 2026) |
| Tax Bill | $1,176 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0073-0030 |
| Primary APN | 01-26-30-0001-0073-0030 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| Gross Area | 1,683 sqft |
| 1st Floor Area | 1,516 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 0.5 ft wide |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 50 sqft |
| Deck Area | 306 sqft |
| Shed | 1 Shed |
| Shed Area | 200 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 706 MASSACHUSETTS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3317 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR2 |
| Legal Description | ST CLOUD PB B PG 34 BLK 73 LOTS 3 & 4 2/26/30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD 2ND PLAT TOWN OF |
| Legal Tract | 1 |
| Legal Block | 73 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43500 |
Source: Osceola County records · APN 01-26-30-0001-0073-0030
Assessment roll updated November 26, 2025 · Last verified July 2026
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 File |
|---|---|
| Mailing Address | 706 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 13, 2026 · Amount on Record |
| Deed Sale | Jul 13, 2026 · Amount on Record |
| Prior Sale | Aug 24, 2015 · Amount on Record |
| Deed Document Number | 202691331 |
| Deed Book / Page | 7003 / 42 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2026 |
| Property Address | 706 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0000091331 |
| Book / Page | 7003 / 42 |
| Instrument Date | Jul 10, 2026 |
| Instrument | 202691331 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Title Company | TITLE GROUP, PRIMO TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $190,183.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 706 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0000091332, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 202691332 |
| Name | AMERICAN MORTGAGE ACCEPTANCE |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000091333, |
|---|---|
| Date | Jul 13, 2026 |
| Book Page | 7003/60 |
| Instrument | 202691333 |
| Name | HOUSING FINANCE CORPORATION FLORIDA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 30 Months |
| Due | Aug 01, 2056 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,176.00 (+5%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $125,259 (+5.99%) | $279,000 (+13.83%) Land $46,800 Building $232,200 |
| 2024 | $1,120.00 (+4.58%) | ||
| 2023 | $1,071.00 (-1.83%) Homeowner's exemption Senior Citizen's exemption Widower's exemption | $118,184 (+3%) | $245,100 (+17.78%) Land $42,500 Building $202,600 |
| 2022 | $1,091.00 Homeowner's exemption Senior Citizen's exemption Widower's exemption | $114,742 | $208,100 Land $35,100 Building $173,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies 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 |
Based on FCC filings for 526 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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