1822 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1822 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,732 sqft · built 2017
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (May 2023)
Tax Bill	$6,408 (2025)
Deeds & Mortgages	May 2023 Sale Oct 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`042631017200010520`

Property Details

APN / Parcel Number

Primary APN	`042631017200010520`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,732 sqft Heated Area
Gross Area	3,592 sqft
1st Floor Area	2,732 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	372 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1822 HENLEY ST
City	SAINT CLOUD
State	FL
Zip	34771-7692
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 52
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	1
Legal Tract	172
Legal Lot Number	52
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3035
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	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Oct 25, 2022	Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE
Nov 8, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Mar 19, 2020	Deed of Trust, Mortgage · FHA Mortgage NORTH AMERICAN SAVINGS BANK FSB
Aug 8, 2017	Special Warranty Deed, Transfer · FHA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	Aug 8, 2017 · Amount on Record
Deed Document Number	2023068780
Deed Book / Page	6415 / 860
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 30, 2023
Property Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0064150860
Book / Page	6415 / 860
Map Reference	MB 24 PG 97-103
Instrument Date	May 25, 2023
Instrument	2023068780
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 ROCK RUN RD, MC MURRAY, PA 15317-6623
Investor	Possibly a Property Investor

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692
Transaction Type	Mortgage
Record Updated	Nov 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692

Mortgage

Document Number	0063051379
Date	Oct 25, 2022
Book Page	6305/1379
Instrument	2022157565

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692
Transaction Type	Mortgage
Record Updated	Nov 26, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692

Mortgage

Document Number	0060821524
Date	Nov 8, 2021
Book Page	6082/1524
Instrument	2021173873

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Mar 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056950372
Date	Mar 19, 2020
Book Page	5695/372
Instrument	2020039548

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2050

August 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2017
Property Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0051902145
Book / Page	5190 / 2145
Map Reference	MB24 PG97-103
Instrument Date	Aug 7, 2017
Instrument	2017113892
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	$2,008.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1822 HENLEY ST, SAINT CLOUD, FL 34771-7692

Mortgage

Document Number	0051902147
Date	Aug 8, 2017
Instrument	5190/2147

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$6,408.00 (+45.44%) Homeowner's exemption Widower's exemption	$405,900 (+41.53%) Land $75,000 Building $330,900	$405,900 (-5.36%) Land $75,000 Building $330,900
2023	$4,406.00 (+3.48%) Homeowner's exemption	$286,794 (+3%)	$428,900 (+14.5%) Land $65,000 Building $363,900
2022	$4,258.00 Homeowner's exemption	$278,441	$374,600 Land $65,000 Building $309,600

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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