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820 Massachusetts Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 820 Massachusetts Ave, Saint Cloud, FL 34769 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 816 sqft · built 1914
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$268,500 (Jun 2022)
Tax Bill$3,151 (2025)
Deeds & MortgagesJun 2022 Sale & Mortgage
Feb 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN77443

Property Details

APN / Parcel Number

Primary APN77443
Alternative APN
  • 012630000101020090

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area816 sqft Heated Area
Gross Area907 sqft
1st Floor Area816 sqft
FlooringTile
Interior WallsPlaster

Exterior

Year BuiltBuilt 1914
Effective Year BuiltEffective 2005
Exterior MaterialVinyl
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialMetal
Lot Area7,405 sqft (0.169 acres)
Lot Dimensions150 ft deep x 50 ft wide
Garage TypeCarport
CarportCarport
Parking Spaces1 Parking Space
PorchFinished/Screened Porch
Porch Area91 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number77443
Street Address820 MASSACHUSETTS AVE
CitySAINT CLOUD
StateFL
Zip34769-3319
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionST CLOUD PB B PG 34 BLK 102 LOTS 9 & 10 2/26/30
Legal Range30E
Legal Township26S
Legal Section01
Legal SubdivisionST CLOUD
Legal Tract1
Legal Block102
Legal Lot Number2,9-10 10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1035
Census Tract43500

Owner

Source: Osceola County records · APN 77443

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address820 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 01, 2022Warranty Deed, Transfer · Conventional Mortgage
THE MORTGAGE FIRM INC
Feb 01, 2022Warranty Deed, Transfer · Balloon Mortgage
JLMP HOLDINGS LLC
Nov 25, 2019Warranty Deed, Subdivision Related Transfer · FHA Mortgage
PREMIER TITLE AGCY SVCS INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 01, 2022 · Amount on Record
Deed SaleJun 01, 2022 · Amount on Record
Prior SaleFeb 01, 2022 · Amount on Record
Deed Document Number2022085852
Deed Book / Page6224 / 1718
Record UpdatedJun 08, 2026

June 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 01, 2022
Property Address820 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Document Number0062241718
Book / Page6224 / 1718
Map ReferenceMB B PG 33
Instrument DateMay 27, 2022
Instrument2022085852
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,879.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4026 BRANCH ROAD, ORLANDO, FL 32824

Transferred To (Grantee/Buyer)

NameVerified Name
Address820 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319

Mortgage

Document Number0062241720
DateJun 01, 2022
Instrument6224/1720
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2052

Mortgage

Document Number0062241731
DateJun 01, 2022
Book Page6224/1731
Instrument2022085854
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeGovernment Agency
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2052

February 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 01, 2022
Property Address820 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Document Number0061402420
Book / Page6140 / 2420
Map ReferenceMB B PG 33&34
Instrument DateFeb 01, 2022
Instrument2022016812
Transaction TypeTransfer
Record UpdatedFeb 10, 2023
Title CompanyATTORNEY ONLY, ATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$994.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4145 CYPRESS DR, SAINT CLOUD, FL 34772-8091

Transferred To (Grantee/Buyer)

NameVerified Name
Address4026 SCARLET BRANCH RD, ORLANDO, FL 32824-5093
InvestorPossibly a Property Investor

Mortgage

Document Number0061402422
DateFeb 01, 2022
Instrument6140/2422
Lender
NameJLMP HOLDINGS LLC
TypeNon-Lending Institution
Agreement
TypeBalloon Mortgage
AmountAmount Recorded

November 2019: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 25, 2019
Property Address820 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319
Document Number0056291142
Book / Page5629 / 1142
Map ReferenceMB B PG 33&34
Instrument DateNov 22, 2019
Instrument2019153194
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 06, 2021
Title CompanyPREMIER TITLE AGCY SVCS INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$735.00
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2021 13TH ST, 2021, SAINT CLOUD, FL 34769-4205

Transferred To (Grantee/Buyer)

NameVerified Name
Address820 MASSACHUSETTS AVE, SAINT CLOUD, FL 34769-3319

Mortgage

Document Number0000000000
DateNov 25, 2019
Instrument5629-1144
Lender
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$3,151.00 (+8.77%) Homeowner's exemption$218,953 (+7.86%)$226,800 (+11.72%) Land $46,800 Building $180,000
2023$2,897.00 (+215.23%) Homeowner's exemption$203,000 (+117.9%) Land $42,500 Building $160,500$203,000 (+52.75%) Land $42,500 Building $160,500
2022$919.00 Homeowner's exemption$93,161$132,900 Land $35,100 Building $97,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970435001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 17 individual NFIP policies nearby
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

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 526 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
AT&TFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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