Osceola County property record for 723 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,330 sqft · built 1912 |
| Lot Size | 0.086 acres (3,746 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $127,500 (May 2014) |
| Tax Bill | $1,464 (2025) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0072-0130 |
| Primary APN | 01-26-30-0001-0072-0130 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,330 sqft Living Area |
| Gross Area | 2,402 sqft |
| 1st Floor Area | 1,374 sqft |
| Upper Floors Area | 828 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 3,746 sqft (0.086 acres) |
| Lot Dimensions | 150 ft deep x 25 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 723 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 LOT 13 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 | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 43500 |
Source: Osceola County records, as of August 11, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 723 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 30, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage FIRST AMERICAN TITLE INSURANCE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 2, 2014 · Amount on Record |
| Deed Sale | May 2, 2014 · Amount on Record |
| Prior Sale | May 2, 2014 · Amount on Record |
| Deed Document Number | 201461697 |
| Deed Book / Page | 4603 / 1569 |
| Prior Transfer Date | Feb 27, 2009 |
| Prior Transfer Doc | 0038442142 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 30, 2026 |
| Property Address | 723 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316 |
| Document Number | 0000099893 |
| Book / Page | 7012 / 1403 |
| Instrument Date | Jul 25, 2026 |
| Instrument | 202699893 |
| Transaction Type | Mortgage |
| Record Updated | Aug 11, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 723 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316 |
| Document Number | 0000099893, |
|---|---|
| Date | Jul 30, 2026 |
| Book Page | 7012/1403 |
| Instrument | 202699893 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 723 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 723 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3316 |
| Document Number | 0063700400 |
|---|---|
| Date | Mar 13, 2023 |
| Book Page | 6370/400 |
| Instrument | 2023028668 |
| Name | FIRST AMERICAN TITLE INSURANCE |
|---|---|
| Type | Insurance Company |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Mar 1, 2063 |
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 | $1,464.00 (+4.05%) Homeowner's exemption | $124,452 (+5.99%) | $251,200 (+16.13%) Land $27,500 Building $223,700 |
| 2024 | $1,407.00 (+3.53%) | ||
| 2023 | $1,359.00 (+4.62%) Homeowner's exemption | $117,423 (+3%) | $216,300 (+13.07%) Land $20,000 Building $196,300 |
| 2022 | $1,299.00 Homeowner's exemption | $114,003 | $191,300 Land $18,000 Building $173,300 |
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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