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  5. Massachusetts Ave

810 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 810 Massachusetts Ave, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 752 sqft · built 1919
Lot Size0.086 acres (3,746 sqft)
Owner2 Individual Names on Record
Last Sale$195,000 (Dec 2021)
Tax Bill$3,417 (2025)
Deeds & MortgagesAug 2020 Mortgage
Dec 2021 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN01-26-30-0001-0102-0040

Property Details

APN / Parcel Number

Primary APN01-26-30-0001-0102-0040
Alternative APNs
  • 263001000101020040
  • 77440

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area752 sqft Living Area
Gross Area824 sqft
1st Floor Area752 sqft
FlooringWood
Interior WallsPlaster
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1919
Effective Year BuiltEffective 2006
Architectural StyleCustom Design
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area3,746 sqft (0.086 acres)
Lot Dimensions150 ft deep x 25 ft wide
Garage TypeCarport
Garage Area216 sqft
CarportCarport
Carport Area216 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchScreened/Unfinished Porch
Porch Area176 sqft
Shed1 Shed
Shed Area64 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address810 MASSACHUSETTS AVE
CitySAINT CLOUD
StateFL
Zip34769-3319
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionST CLOUD PB B PG 34 BLK 102 LOT 4 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD 2ND PLAT TOWN OF
Legal Tract1
Legal Block102
Legal Lot Number4
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1035
Census Tract43500

Owner

Source: Osceola County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address8214 FENWICK ST, SUNLAND, CA 91040-2802
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Aug 12, 2020Deed of Trust, Mortgage · FHA Mortgage
ABSOLUTE HOME MORTGAGE CORP
Dec 29, 2021Warranty Deed, Transfer · Conventional Mortgage
DRAPER & KRAMER MORTGAGE CORP
Jul 22, 2019Warranty Deed, Transfer
STEWART TITLE COMPANY
Jul 22, 2019Warranty Deed, Transfer
STEWART TITLE

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 29, 2021 · Amount on Record
Deed SaleDec 29, 2021 · Amount on Record
Prior SaleJul 22, 2019
Deed Document Number2021201029
Deed Book / Page6118 / 802
Prior Transfer DateApr 20, 2009
Prior Transfer Doc0038300542
Record UpdatedOct 29, 2026

August 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address810 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Transaction TypeMortgage
Record UpdatedMay 2, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0057730964
DateAug 12, 2020
Book Page5773/964
Instrument2020106381
Lender
NameABSOLUTE HOME MORTGAGE CORP
TypeMortgage Company
AddressFAIRFIELD, NJ 07004
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2050

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 29, 2021
Property Address810 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Document Number0061180802
Book / Page6118 / 802
Map ReferenceMB B PG 33
Instrument DateDec 27, 2021
Instrument2021201029
Transaction TypeTransfer
Record UpdatedJan 14, 2022
Title CompanyQUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,365.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9063 REYMONT ST, 9063, ORLANDO, FL 32827-3806

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address8214 FENWICK ST, SUNLAND, CA 91040-2802

Mortgage

Document Number0006118804
DateDec 29, 2021
Instrument6118/804
Lender
NameDRAPER & KRAMER MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 22, 2019
Property Address810 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Document Number0055600031
Book / Page5560 / 0031
Map ReferenceMB B PG 33
Instrument DateJul 19, 2019
Instrument2019093604
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanySTEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$749.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4209 FLOATING ORCHID CT, 4209, SAINT CLOUD, FL 34772-8522

Transferred To (Grantee/Buyer)

NameVerified Name
Address810 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319

July 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 22, 2019
Property Address810 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Document Number0055600032
Book / Page005560 / 000032
Instrument DateJul 19, 2019
Instrument93605
Transaction TypeTransfer
Record UpdatedJul 31, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address810 MASSACHUSETTS AVE ST CLOUD FL 347693319, ST CLOUD, FL 34769-3319

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,417.00 (+12.51%)$190,700 (+12.97%) Land $27,500 Building $163,200$190,700 (+12.97%) Land $27,500 Building $163,200
2023$3,037.00 (+1%)$168,800 (+10.33%) Land $20,000 Building $148,800$168,800 (+10.33%) Land $20,000 Building $148,800
2022$2,761.00$153,000 Land $18,000 Building $135,000$153,000 Land $18,000 Building $135,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 17 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies17 in force
Nearby Flood Claims1 (1994)
Claims Outside the SFHA1 of 1
Most Recent ClaimNov 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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