1838 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1838 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2016
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jun 2019)
Tax Bill	$7,177 (2025)
Deeds & Mortgages	Jan 2024 Document Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-26-31-0172-0001-0600`

Property Details

APN / Parcel Number

Primary APN	`04-26-31-0172-0001-0600`
Alternative APN	`263104017200010600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,662 sqft Living Area
Gross Area	3,461 sqft
1st Floor Area	2,662 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.19 acres)
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1838 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 60
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK EAST PH 1
Legal Phase	1
Legal Tract	172
Legal Block	600
Legal Lot Number	60
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3035
Census Tract	43700

Owner

1838 Henley St is owned and occupied by an individual who acquired it in November 2023.

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1838 HENLEY ST, SAINT CLOUD, FL 34771-7692
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2024	ACCOMODATION, ACCOMMODATION
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 4, 2019 · Amount on File
Deed Sale	Jun 4, 2019 · Amount on File
Prior Sale	Dec 22, 2016 · Amount on File
Deed Document Number	201971259
Deed Book / Page	5534 / 1558
Last Transfer Date	Nov 16, 2023
Transfer Doc	0065411194
Record Updated	Sep 20, 2026

January 2024:

Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2024
Property Address	1838 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0065411194
Book / Page	6541 / 1194
Map Reference	MB 24 PG 97-103
Instrument Date	Nov 16, 2023
Instrument	2024012018
Record Updated	Feb 12, 2024
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	710 OAKLAND HILLS CIR # CIR206, CIR206, LAKE MARY, FL 32746-5827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1838 HENLEY ST, SAINT CLOUD, FL 34771-7692

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2019
Property Address	1838 HENLEY ST, SAINT CLOUD, FL 34771-7692
Document Number	0055341558
Book / Page	005534 / 001558
Instrument Date	May 31, 2019
Instrument	71259
Transaction Type	Transfer
Record Updated	Jun 20, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1838 HENLEY ST ST CLOUD FL 347717692, ST CLOUD, FL 34771-7692

Mortgage

Document Number	55341560
Date	Jun 4, 2019
Book Page	005534/001560
Instrument	71260

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 3, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1838 Henley St was $7,177, up 4.9% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$7,177.00 (+4.85%)	$402,700 Land $75,000 Building $327,700	$402,700 Land $75,000 Building $327,700
2024	$6,845.00 (+5.6%)
2023	$6,482.00 (+11.47%)	$425,900 (+14.43%) Land $65,000 Building $360,900	$425,900 (+14.43%) Land $65,000 Building $360,900
2022	$5,815.00	$372,200 Land $65,000 Building $307,200	$372,200 Land $65,000 Building $307,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1838 Henley St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 1838 Henley St is moderate, ranking above 63% of the US, with a 0.2% annual chance of 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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