Osceola County property record for 707 Tennessee Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,138 sqft · built 1925 |
| Lot Size | 0.239 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $79,000 (Apr 1999) |
| Tax Bill | $835 (2025) |
| Deeds & Mortgages | Feb 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 77269 |
| Primary APN | 77269 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,138 sqft Heated Area |
| Gross Area | 1,798 sqft |
| 1st Floor Area | 1,088 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 10,454 sqft (0.239 acres) |
| Lot Dimensions | 150 ft deep x 70 ft wide |
| Garage Type | Mixed |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 402 sqft |
| Deck Area | 90 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 77269 |
|---|---|
| Street Address | 707 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 N 20 FT LOT 20 & LOTS 21 & 22 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 | 3,20-22 22 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3061 |
| Census Tract | 43400 |
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 |
|---|---|
| Mailing Address | 707 TENNESSEE AVE, SAINT CLOUD, FL 34769-3182 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 1999 · Amount on Record |
| Deed Sale | Apr 30, 1999 · Amount on Record |
| Deed Document Number | 0001612331 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 707 TENNESSEE AVE, SAINT CLOUD, FL 34769-3182 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0052842191 |
|---|---|
| Date | Feb 13, 2018 |
| Book Page | 5284/2191 |
| Instrument | 2018024390 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 2, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
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 | $835.00 (+9.44%) Homeowner's exemption | $89,569 (+5.99%) | $227,100 (+12.2%) Land $55,000 Building $172,100 |
| 2023 | $763.00 (+6.12%) Homeowner's exemption | $84,510 (+3%) | $202,400 (+12.01%) Land $50,000 Building $152,400 |
| 2022 | $719.00 Homeowner's exemption | $82,049 | $180,700 Land $45,000 Building $135,700 |
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 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 |
|
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 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.
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 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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