808 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 808 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,697 sqft · built 2024
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$400,000 (May 2024)
Tax Bill	$4,935 (2025)
Deeds & Mortgages	May 2024 Sale & Mortgage Apr 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`77336`

Property Details

APN / Parcel Number

Primary APN	`77336`
Alternative APN	`012630000100910050`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,697 sqft Heated Area
Gross Area	2,290 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77336
Street Address	808 TENNESSEE AVE
City	SAINT CLOUD
State	FL
Zip	34769-3584
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	ST CLOUD PB B PG 33/34 BLK 91 LOTS 5 & 6 3/26/30
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	ST CLOUD
Legal Tract	1
Legal Block	91
Legal Lot Number	3,5-6 6
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3059
Census Tract	43400

Owner

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
Co-owner	Co-owner on Record
Mailing Address	808 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 23, 2024	Warranty Deed, Transfer · FHA Mortgage OCMBC INC
Apr 11, 2022	Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCELO
Nov 2, 2021	Warranty Deed, Transfer UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL
Nov 2, 2021	Warranty Deed, Transfer UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2024 · Amount on Record
Deed Sale	May 23, 2024 · Amount on Record
Prior Sale	Apr 11, 2022 · Amount on Record
Deed Document Number	2024068497
Deed Book / Page	6605 / 2230
Record Updated	Jun 8, 2026

May 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 23, 2024
Property Address	808 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0066052230
Book / Page	6605 / 2230
Map Reference	MB B PG 33&34
Instrument Date	May 17, 2024
Instrument	2024068497
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3001 W MCNAB RD, POMPANO BEACH, FL 33069-4805

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	808 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584

Mortgage

Document Number	2024068498
Date	May 23, 2024
Instrument	2024068498

Lender

Name	OCMBC INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 11, 2022
Property Address	808 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0061912133
Book / Page	6191 / 2133
Map Reference	MB B PG 33&34
Instrument Date	Apr 11, 2022
Instrument	2022057500
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCELO

Transaction

Amount	Amount Recorded
Tax	$630.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	258 CELESTIAL WAY, CASSELBERRY, FL 32708-3929

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3001 W MCNAB RD, POMPANO BEACH, FL 33069-4805

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 2, 2021
Property Address	808 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0060781066
Book / Page	6078 / 1066
Map Reference	MB 1 PG 159
Instrument Date	Oct 27, 2021
Instrument	2021170463
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Tax	$840.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3703 GREEN LN, KNOXVILLE, TN 37931-2010

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 CELESTIAL WAY, WINTER SPRINGS, FL 32708-3929
Investor	Possibly a Property Investor

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 2, 2021
Property Address	808 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0060781067
Book / Page	6078 / 1067
Map Reference	MB B PG 33&34
Instrument Date	Oct 27, 2021
Instrument	2021170464
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1822 N MAIN AVE, ERWIN, TN 37650-8932

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	258 CELESTIAL WAY, WINTER SPRINGS, FL 32708-3929
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,935.00 (+545.1%) Homeowner's exemption	$318,600 (+649.65%) Land $46,800 Building $271,800	$318,600 (+649.65%) Land $46,800 Building $271,800
2023	$765.00 (+21.04%)	$42,500 (+21.08%) Land $42,500	$42,500 (+21.08%) Land $42,500
2022	$632.00	$35,100 Land $35,100	$35,100 Land $35,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 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.

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 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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