Osceola County property record for 718 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,940 sqft · built 1914 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individuals on Record |
| Last Sale | $200,000 (Oct 2019) |
| Tax Bill | $2,214 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0073-0090 |
| Primary APN | 01-26-30-0001-0073-0090 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,940 sqft Living Area |
| Gross Area | 2,773 sqft |
| 1st Floor Area | 996 sqft |
| Upper Floors Area | 816 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| 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 | 325 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 336 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 718 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 9 & 10 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 | 9 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43500 |
Source: Osceola County assessment roll, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individuals on Record |
|---|---|
| Mailing Address | 718 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jun 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION FEDERAL CREDIT UNION |
| Oct 2, 2019 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| May 2, 2019 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2019 · Amount on Record |
| Deed Sale | Oct 2, 2019 · Amount on Record |
| Prior Sale | May 2, 2019 · Amount on Record |
| Deed Document Number | 2019127153 |
| Deed Book / Page | 5599 / 185 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2026 |
| Property Address | 718 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0000085086 |
| Book / Page | 6995 / 1953 |
| Instrument Date | Apr 11, 2026 |
| Instrument | 202685086 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SURE TITLE COMPANY LLC |
| Name | Verified Name |
|---|---|
| Address | 718 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0000085086, |
|---|---|
| Date | Jun 29, 2026 |
| Book Page | 6995/1953 |
| Instrument | 202685086 |
| Name | UNION FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 15, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 2, 2019 |
| Property Address | 718 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0055990185 |
| Book / Page | 5599 / 0185 |
| Map Reference | MB B PG 33 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 2019127153 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 13401 ASHLEY CT, 13401, GRAND ISLAND, FL 32735-9632 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 718 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0005599187 |
|---|---|
| Date | Oct 2, 2019 |
| Instrument | 5599/187 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 2, 2019 |
| Property Address | 718 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3317 |
| Document Number | 0055172137 |
| Book / Page | 005517 / 002137 |
| Instrument Date | May 2, 2019 |
| Instrument | 56266 |
| Transaction Type | Transfer |
| Record Updated | May 16, 2019 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $910.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 718 MASSACHUSETTS AVE ST CLOUD FL 347693317, ST CLOUD, FL 34769-3317 |
Source: Osceola County assessment roll, as of November 26, 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 | $2,214.00 (+6.9%) Homeowner's exemption | $166,574 (+5.99%) | $239,100 (+9.73%) Land $46,800 Building $192,300 |
| 2023 | $2,071.00 (+4.07%) Homeowner's exemption | $157,166 (+3%) | $217,900 (+12.09%) Land $42,500 Building $175,400 |
| 2022 | $1,990.00 Homeowner's exemption | $152,589 | $194,400 Land $35,100 Building $159,300 |
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 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.
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.
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 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 |
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