824 Tennessee Ave, Saint Cloud, FL 34769 Property Records

Osceola County property record for 824 Tennessee Ave, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,139 sqft · built 1920
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Aug 2022)
Tax Bill	$3,379 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2021 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`77338`

Property Details

APN / Parcel Number

Primary APN	`77338`
Alternative APN	`012630000100910100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,139 sqft Heated Area
Gross Area	1,498 sqft
1st Floor Area	915 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2015
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Enclosed Porch
Porch Area	583 sqft
Deck Area	390 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	77338
Street Address	824 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 10 THRU 12 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	10-12 11
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	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 23, 2022	Warranty Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Sep 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 23, 2019	Quit Claim Deed, Transfer SMART INT'L TITLE LLC
Aug 12, 2019	Deed of Trust, Mortgage FINANCE OF AMERICA MTG
Jan 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage RONALD T GURSKY
Jan 17, 2019	Warranty Deed, Transfer SMART INT'L TITLE LLC
Oct 31, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 23, 2022 · Amount on Record
Deed Sale	Aug 23, 2022 · Amount on Record
Prior Sale	Aug 23, 2019 · Amount on Record
Deed Document Number	2022129207
Deed Book / Page	6273 / 2468
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2022
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0062732468
Book / Page	6273 / 2468
Map Reference	MB B PG 33&34
Instrument Date	Aug 22, 2022
Instrument	2022129207
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Investor	Possibly a Property Investor

Mortgage

Document Number	0062732470
Date	Aug 23, 2022
Instrument	6273/2470

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	250 NOLTE RD, SAINT CLOUD, FL 34772-5703

Mortgage

Document Number	0060521934
Date	Sep 27, 2021
Book Page	6052/1934
Instrument	2021149902

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

August 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 23, 2019
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0055781070
Book / Page	005578 / 001070
Instrument Date	Aug 12, 2019
Instrument	109578
Transaction Type	Transfer
Record Updated	Sep 2, 2019
Title Company	SMART INT'L TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$534.80
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 TENNESSEE AVE ST CLOUD FL 347693584, ST CLOUD, FL 34769-3584

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0055781072
Instrument Date	Aug 12, 2019
Transaction Type	Mortgage
Record Updated	Sep 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	824 TENNESSEE AVE ST CLOUD FL 347693584, ST CLOUD, FL 34769-3584

Mortgage

Document Number	0055781072
Date	Aug 23, 2019
Book Page	005578/001072
Instrument	109579

Lender

Name	FINANCE OF AMERICA MTG
Address	HORSHAM, PA 19044

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 22, 2049

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0054711644
Instrument Date	Jan 30, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	992 LA MIRADA CT KISSIMMEE FL 347447238, KISSIMMEE, FL 34744-7238

Mortgage

Document Number	0054711644
Date	Feb 1, 2019
Book Page	005471/001644
Instrument	13821

Lender

Name	RONALD T GURSKY
Address	1300 HIDDEN HARBOR LN, KISSIMMEE, FL 34746-3628

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	Jan 31, 2022

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 17, 2019
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0054641631
Book / Page	005464 / 001631
Instrument Date	Jan 17, 2019
Instrument	7233
Transaction Type	Transfer
Record Updated	Jan 31, 2019
Title Company	SMART INT'L TITLE LLC

Transaction

Amount	Amount Recorded
Tax	$581.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	992 LA MIRADA CT KISSIMMEE FL 347447238, KISSIMMEE, FL 34744-7238

October 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 31, 2018
Property Address	824 TENNESSEE AVE, SAINT CLOUD, FL 34769-3584
Document Number	0054262975
Book / Page	005426 / 002975
Instrument Date	Oct 16, 2018
Instrument	162772
Transaction Type	Foreclosure
Record Updated	Nov 15, 2018

Transaction

Amount	Amount Recorded
Tax	$344.40
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	824 TENNESSEE AVE ST CLOUD FL 347693584, ST CLOUD, FL 34769-3584

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	$3,379.00 (+6.36%) Homeowner's exemption	$231,687 (+5.99%)	$239,500 (+9.56%) Land $55,000 Building $184,500
2023	$3,177.00 (+50.71%) Homeowner's exemption	$218,600 (+81.56%) Land $50,000 Building $168,600	$218,600 (+81.56%) Land $50,000 Building $168,600
2022	$2,108.00	$120,400 Land $45,000 Building $75,400	$120,400 Land $45,000 Building $75,400

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.

Nearby Properties on Tennessee Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures