1828 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1828 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,932 sqft · built 2017
Lot Size	0.189 acres (8,276 sqft)
Owner	Company Name on Record
Last Sale	$1,438,600 (Jun 2025)
Tax Bill	$7,270 (2025)
Deeds & Mortgages	May 2022 Mortgage Jul 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631017200010550`

Property Details

APN / Parcel Number

Primary APN	`042631017200010550`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,932 sqft Heated Area
Gross Area	3,598 sqft
1st Floor Area	2,932 sqft
Flooring	Tile
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	178 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1828 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 55
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	1
Legal Tract	172
Legal Lot Number	55
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	Company Name on Record
Co-owner	Co-owner on Record
Mailing Address	5420 LYNDON B JOHNSON FWY STE 600, 600, DALLAS, TX 75240-6230
Owner Type	Company, Secondary Individual

Deeds, Mortgages & Sale History

Date	Document
May 26, 2022	Deed of Trust, Mortgage · FHA Mortgage COMMUNITY LOAN SERVICING LLC
Jul 29, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jun 17, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Oct 9, 2017	Special Warranty Deed, Transfer · FHA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2025 · Amount on Record
Deed Sale	Jun 17, 2025 · Amount on Record
Prior Sale	Jun 17, 2022 · Amount on Record
Deed Document Number	0006808429
Deed Book / Page	6808 / 429
Last Transfer Date	Jun 23, 2025
Transfer Doc	0068080429
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1828 HENLEY ST, SAINT CLOUD, FL 34771-7692
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1828 HENLEY ST, SAINT CLOUD, FL 34771-7692

Mortgage

Document Number	0062211886
Date	May 26, 2022
Book Page	6221/1886
Instrument	2022083200

Lender

Name	COMMUNITY LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	307 Months
Due	Dec 1, 2047

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2022
Property Address	1828 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0062601882
Book / Page	6260 / 1882
Map Reference	MB 24 PG 97
Instrument Date	Jul 29, 2022
Instrument	2022117096
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1717 MAIN ST STE 2000, 2000, DALLAS, TX 75201-4657
Investor	Possibly a Property Investor

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2022
Property Address	1828 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0062350516
Book / Page	6235 / 516
Map Reference	MB 24 PG 97
Instrument Date	Jun 14, 2022
Instrument	2022095069
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	431 NE 45TH TER, GAINESVILLE, FL 32641-1987

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

October 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 9, 2017
Property Address	1828 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0052201866
Book / Page	5220 / 1866
Map Reference	MB24 PG97
Instrument Date	Oct 5, 2017
Instrument	2017143961
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	$2,150.40
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	1828 HENLEY ST, SAINT CLOUD, FL 34771-7692

Mortgage

Document Number	0052201868
Date	Oct 9, 2017
Instrument	5220/1868

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 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	$7,270.00 (-2.56%)	$406,000 (-1.96%) Land $75,000 Building $331,000	$406,000 (-1.96%) Land $75,000 Building $331,000
2023	$7,461.00 (+73.51%)	$414,100 (+47.5%) Land $65,000 Building $349,100	$414,100 (+14.36%) Land $65,000 Building $349,100
2022	$4,300.00 Homeowner's exemption	$280,739	$362,100 Land $65,000 Building $297,100

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
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	Moderate above 63% of the US · lower than 61% of Florida
Wildfire Likelihood	0.2% 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 154 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.

Nearby Properties on Henley St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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