Osceola County property record for 816 Massachusetts Ave, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,102 sqft · built 1914 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $283,000 (Apr 2024) |
| Tax Bill | $3,386 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Apr 2024 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-26-30-0001-0102-0070 |
| Primary APN | 01-26-30-0001-0102-0070 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,102 sqft Living Area |
| Gross Area | 1,352 sqft |
| 1st Floor Area | 1,102 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1914 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum Siding |
| 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 |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 434 sqft |
| Deck Area | 167 sqft |
| Patio Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 816 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 7 & 8 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 | 7 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1035 |
| Census Tract | 43500 |
Source: Osceola County records, as of August 24, 2026
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 |
|---|---|
| Mailing Address | 816 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Apr 16, 2024 | Deed of Trust, Mortgage · FHA Mortgage THE MORTGAGE FIRM INC |
| Apr 16, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE MORTGAGE FIRM INC |
| Nov 30, 2021 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 16, 2024 · Amount on Record |
| Deed Sale | Apr 16, 2024 · Amount on Record |
| Prior Sale | Nov 30, 2021 · Amount on Record |
| Deed Document Number | 202449300 |
| Deed Book / Page | 6584 / 78 |
| Prior Transfer Date | Aug 27, 2001 |
| Prior Transfer Doc | 1956001352 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 816 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 528 EAGLE CIR, CASSELBERRY, FL 32707-4035 |
| Investor | Possibly a Property Investor |
| Document Number | 0065840080 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 6584/80 |
| Instrument | 2024049301 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | 921 DOUGLAS AVE STE 200, ALTAMONTE SPRINGS, FL 32714 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 816 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 816 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Investor | Possibly a Property Investor |
| Document Number | 0065840095 |
|---|---|
| Date | Apr 16, 2024 |
| Book Page | 6584/95 |
| Instrument | 2024049302 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | 921 DOUGLAS AVE STE 200, ALTAMONTE SPRINGS, FL 32714 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 30, 2021 |
| Property Address | 816 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319 |
| Document Number | 0060961501 |
| Book / Page | 6096 / 1501 |
| Map Reference | MB B PG 33 |
| Instrument Date | Nov 24, 2021 |
| Instrument | 2021184279 |
| Transaction Type | Transfer |
| Record Updated | Feb 10, 2023 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,764.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1309 CLEAR BROOK PL, SAINT CLOUD, FL 34772-6537 |
| Name | Verified Name |
|---|---|
| Address | 1318 LINDZLU ST, WINTER GARDEN, FL 34787-4833 |
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 | $3,386.00 (-17.05%) | $232,100 (+9.58%) Land $46,800 Building $185,300 | $232,100 (+9.58%) Land $46,800 Building $185,300 |
| 2024 | $4,082.00 (+8.25%) | ||
| 2023 | $3,771.00 (+10.55%) | $211,800 (+12%) Land $42,500 Building $169,300 | $211,800 (+12%) Land $42,500 Building $169,300 |
| 2022 | $3,411.00 | $189,100 Land $35,100 Building $154,000 | $189,100 Land $35,100 Building $154,000 |
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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