715 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 715 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 592 sqft · built 1949
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on Record
Last Sale	$164,800 (Feb 2021)
Tax Bill	$3,372 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-26-30-0001-0072-0170`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0001-0072-0170`
Alternative APNs	`263001000100720170` `77171`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	592 sqft Living Area
Gross Area	964 sqft
1st Floor Area	592 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1949
Effective Year Built	Effective 1989
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed/Finished Porch
Porch Area	126 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	715 MASSACHUSETTS AVE
City	SAINT CLOUD
State	FL
Zip	34769-3316
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 34 BLK 72 LOTS 17 & 18 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	72
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1033
Census Tract	43500

Owner

Source: Osceola County records, as of April 2, 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 Record
Mailing Address	715 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 2021 · Amount on Record
Deed Sale	Feb 1, 2021 · Amount on Record
Prior Sale	Aug 21, 2012 · Amount on Record
Deed Document Number	202114209
Deed Book / Page	5881 / 2104
Prior Transfer Date	Oct 13, 1999
Prior Transfer Doc	2051001378
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	715 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316
Transaction Type	Mortgage
Record Updated	Nov 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3063 LAKESHORE BLVD, SAINT CLOUD, FL 34769-1947

Mortgage

Document Number	0058812105
Date	Feb 1, 2021
Book Page	5881/2105
Instrument	2021014210

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,372.00 (+7.15%)	$188,200 (+11.82%) Land $46,800 Building $141,400	$188,200 (+11.82%) Land $46,800 Building $141,400
2024	$3,147.00 (+9.04%)
2023	$2,886.00 (+12.47%)	$168,300 (+18.35%) Land $42,500 Building $125,800	$168,300 (+18.35%) Land $42,500 Building $125,800
2022	$2,566.00	$142,200 Land $35,100 Building $107,100	$142,200 Land $35,100 Building $107,100

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 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.

Wildfire

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.

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 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