1816 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1816 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2020
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$459,000 (Jul 2023)
Tax Bill	$4,554 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631017300012080`

Property Details

APN / Parcel Number

Primary APN	`042631017300012080`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,662 sqft Heated Area
Gross Area	3,281 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1816 HENLEY ST
City	SAINT CLOUD
State	FL
Zip	34771-7682
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 208
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	2
Legal Tract	173
Legal Lot Number	208
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

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
Mailing Address	1816 HENLEY ST, SAINT CLOUD, FL 34771-7682
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2023	Warranty Deed, Transfer · VA Mortgage MID-CONTINENT FUNDING INC
Apr 22, 2020	Special Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 6, 2023 · Amount on Record
Deed Sale	Jul 6, 2023 · Amount on Record
Prior Sale	Apr 22, 2020 · Amount on Record
Deed Document Number	2023086793
Deed Book / Page	6436 / 98
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2023
Property Address	1816 HENLEY ST, SAINT CLOUD, FL 34771-7682
Document Number	0064360098
Book / Page	6436 / 98
Map Reference	MB 27 PG 87
Instrument Date	Jun 30, 2023
Instrument	2023086793
Transaction Type	Transfer
Record Updated	Jul 24, 2023
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,213.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7606 SWILCAN DR APT 18202, 18202, ORLANDO, FL 32822-5088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 HENLEY ST, SAINT CLOUD, FL 34771-7682

Mortgage

Document Number	0006436100
Date	Jul 6, 2023
Instrument	6436/100

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 22, 2020
Property Address	1816 HENLEY ST, SAINT CLOUD, FL 34771-7682
Document Number	0057120158
Book / Page	5712 / 158
Map Reference	MB 27 PG 87
Instrument Date	Apr 20, 2020
Instrument	2020055262
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,296.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6750 FORUM DR STE 310, 6750, ORLANDO, FL 32821-8088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1816 HENRY ST, SAINT CLOUD, FL 34771

Mortgage

Document Number	0057120162
Date	Apr 22, 2020
Instrument	5712/0162

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

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	$4,554.00 (-33.09%) Homeowner's exemption	$297,313 (-29.23%)	$397,700 (-5.33%) Land $75,000 Building $322,700
2023	$6,806.00 (+19.17%) Homeowner's exemption	$420,100 (+14.56%) Land $65,000 Building $355,100	$420,100 (+14.56%) Land $65,000 Building $355,100
2022	$5,711.00	$366,700 Land $65,000 Building $301,700	$366,700 Land $65,000 Building $301,700

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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	High above 72% of the US · above 55% of Florida
Wildfire Likelihood	0.3% 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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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