1829 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1829 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,932 sqft · built 2018
Lot Size	0.239 acres (10,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,900 (Jun 2018)
Tax Bill	$4,712 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Apr 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`042631017200010500`

Property Details

APN / Parcel Number

Primary APN	`042631017200010500`

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	3,516 sqft
1st Floor Area	2,932 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.239 acres)
Garage Type	Finished
Garage Area	488 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	96 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1829 HENLEY ST
City	SAINT CLOUD
State	FL
Zip	34771-7693
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 1 PB 24 PG 97-103 LOT 50
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	1
Legal Tract	172
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3028
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	2 Individual Names on Record
Mailing Address	1829 HENLEY ST, SAINT CLOUD, FL 34771-7693
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2025	Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FUNDING
Apr 17, 2019	Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jun 18, 2018	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2018 · Amount on Record
Deed Sale	Jun 18, 2018 · Amount on Record
Deed Document Number	2018093375
Deed Book / Page	5351 / 2397
Record Updated	Jun 8, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1829 HENLEY ST, SAINT CLOUD, FL 34771-7693
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1829 HENLEY ST, SAINT CLOUD, FL 34771-7693

Mortgage

Document Number	0069012073
Date	Dec 31, 2025
Book Page	6901/2073
Instrument	2025159418

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.62%
Max Rate At Change	6.62%
Index	1-Year CMT
Margin	2
Max Rate	10.6%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1829 HENLEY ST, SAINT CLOUD, FL 34771-7693
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055081798
Date	Apr 17, 2019
Book Page	5508/1798
Instrument	2019048323

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	345 Months
Due	Jan 1, 2048

June 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2018
Property Address	1829 HENLEY ST, SAINT CLOUD, FL 34771-7693
Document Number	0053512397
Book / Page	5351 / 2397
Map Reference	MB24 PG97
Instrument Date	Jun 6, 2018
Instrument	2018093375
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,239.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE, 444, WINTER PARK, FL 32789-4224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1829 HENLEY ST, SAINT CLOUD, FL 34771-7693

Mortgage

Document Number	2018093376
Date	Jun 18, 2018
Instrument	2018093376

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$4,712.00 (+6.17%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$311,146 (+5.99%)	$409,200 (-1.99%) Land $75,000 Building $334,200
2023	$4,438.00 (+3.52%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$293,571 (+3%)	$417,500 (+14.29%) Land $65,000 Building $352,500
2022	$4,287.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$285,021	$365,300 Land $65,000 Building $300,300

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	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.

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