Osceola County property record for 802 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,060 sqft · built 1944 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Company Name on Record |
| Last Sale | $298,400 (Jul 2026) |
| Tax Bill | $3,925 (2025) |
| Deeds & Mortgages | Jul 2026 Sale Apr 2024 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0102-0010 |
| Primary APN | 01-26-30-0001-0102-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,060 sqft Living Area |
| Gross Area | 1,432 sqft |
| 1st Floor Area | 1,060 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1944 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 150 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished Vinyl Porch |
|---|---|
| Porch Area | 120 sqft |
| Shed | 1 Shed |
| Shed Area | 192 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 802 MASSACHUSETTS AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-3319 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | ST CLOUD PB B PG 34 BLK 102 LOTS 1 & 2 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 | 102 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 43500 |
Source: Osceola County records, as of July 13, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 1295 W WASHINGTON ST, 115, TEMPE, AZ 85288-1233 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 1, 2026 | Warranty Deed, Transfer HILLSBOROUGH TITLE INC, HILLSBOROUGH TITLE |
| Apr 18, 2024 | Deed of Trust, Mortgage · FHA Mortgage TRUIST BANK |
| Mar 15, 2021 | Warranty Deed, Transfer · FHA Mortgage LENDUS LLC |
| Jul 22, 2019 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC |
| May 8, 2017 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2026 · Amount on Record |
| Deed Sale | Jul 1, 2026 · Amount on Record |
| Prior Sale | Mar 15, 2021 · Amount on Record |
| Deed Document Number | 202686784 |
| Deed Book / Page | 6997 / 1984 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 1, 2026 |
| Property Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0000086784 |
| Book / Page | 6997 / 1984 |
| Instrument Date | Jun 23, 2026 |
| Instrument | 202686784 |
| Transaction Type | Transfer |
| Record Updated | Jul 13, 2026 |
| Title Company | HILLSBOROUGH TITLE INC, HILLSBOROUGH TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $210,968.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0065850123 |
|---|---|
| Date | Apr 18, 2024 |
| Book Page | 6585/123 |
| Instrument | 2024050193 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | 1001 SEMMES AVE, RICHMOND, VA 23224 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Apr 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 15, 2021 |
| Property Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0059121180 |
| Book / Page | 5912 / 1180 |
| Map Reference | MB 13 PG 33&34 |
| Instrument Date | Mar 5, 2021 |
| Instrument | 2021038177 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CORE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,575.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1352 CREEK WOODS CIRCLE, 1352, SAINT CLOUD, FL 34772 |
| Name | Verified Name |
|---|---|
| Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0059121182 |
|---|---|
| Date | Mar 15, 2021 |
| Instrument | 5912/1182 |
| Name | LENDUS LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0055641138 |
| Instrument Date | Jul 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 802 MASSACHUSETTS AVE ST CLOUD FL 347693319, ST CLOUD, FL 34769-3319 |
| Document Number | 0055641138 |
|---|---|
| Date | Jul 30, 2019 |
| Book Page | 005564/001138 |
| Instrument | 97612 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 29, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 802 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0051511077 |
| Book / Page | 005151 / 001077 |
| Instrument Date | May 8, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 4, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 802 MASSACHUSETTS AVE ST CLOUD FL 347693319, ST CLOUD, FL 34769-3319 |
| Document Number | 0051511077 |
|---|---|
| Date | May 22, 2017 |
| Book Page | 005151/001077 |
| Instrument | 74466 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 21, 2047 |
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 | $3,925.00 (+10.38%) | $219,100 (+9.55%) Land $46,800 Building $172,300 | $219,100 (+9.55%) Land $46,800 Building $172,300 |
| 2023 | $3,556.00 (+10.61%) | $200,000 (+12.23%) Land $42,500 Building $157,500 | $200,000 (+12.23%) Land $42,500 Building $157,500 |
| 2022 | $3,215.00 | $178,200 Land $35,100 Building $143,100 | $178,200 Land $35,100 Building $143,100 |
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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