1839 Henley St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1839 Henley St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,667 sqft · built 2018
Lot Size	0.2 acres (8,712 sqft)
Owner	Company Name on Record
Last Sale	$339,900 (Dec 2020)
Tax Bill	$8,237 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`042631017200010450`

Property Details

APN / Parcel Number

Primary APN	`042631017200010450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,667 sqft Heated Area
Gross Area	3,254 sqft
1st Floor Area	2,667 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	8,712 sqft (0.2 acres)
Garage Type	Finished
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1839 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 45
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	1
Legal Tract	172
Legal Lot Number	45
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	Company Name on Record
Co-owner	2 Co-owners on Record
Mailing Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2026	Deed of Trust, Mortgage · Line of Credit PARTNERS FEDERAL CREDIT UNION
Apr 26, 2022	Intrafamily Transfer, Transfer ACCOMMODATION
Dec 4, 2020	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jul 2, 2018	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Dec 4, 2020 · Amount on Record
Deed Sale	Dec 4, 2020 · Amount on Record
Prior Sale	Dec 4, 2020 · Amount on Record
Deed Document Number	0058450343
Deed Book / Page	5845 / 343
Last Transfer Date	Apr 26, 2022
Transfer Doc	0062010431
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Oct 9, 2026
Property Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693
Document Number	0000130480
Book / Page	7046 / 2709
Instrument Date	Sep 11, 2026
Instrument	2026130480
Transaction Type	Mortgage
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693

Mortgage

Document Number	0000130480,
Date	Oct 9, 2026
Book Page	7046/2709
Instrument	2026130480

Lender

Name	PARTNERS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 9, 2046

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 26, 2022
Property Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693
Document Number	0062010431
Book / Page	6201 / 431
Map Reference	MB 24 PG 97
Instrument Date	Apr 1, 2022
Instrument	2022065394
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1839 HENLEY ST, 1839, SAINT CLOUD, FL 34771-7693

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 4, 2020
Property Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693
Document Number	0058450343
Book / Page	5845 / 343
Map Reference	MB 24 PG 97
Instrument Date	Nov 30, 2020
Instrument	2020164973
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NORTH AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,379.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7058 HIGGS ALY, 7058, ORLANDO, FL 32827-7946

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693

Mortgage

Document Number	0005845345
Date	Dec 4, 2020
Instrument	5845/345

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2018
Property Address	1839 HENLEY ST, SAINT CLOUD, FL 34771-7693
Document Number	0053592532
Book / Page	005359 / 002532
Instrument Date	Jun 27, 2018
Instrument	101017
Transaction Type	Transfer
Record Updated	Jul 25, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1839 HENLEY ST ST CLOUD FL 347717693, ST CLOUD, FL 34771-7693

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	$8,237.00 (-5.21%) Homeowner's exemption	$407,600 (-5.17%) Land $78,800 Building $328,800	$407,600 (-5.17%) Land $78,800 Building $328,800
2023	$8,690.00 (+14.81%) Homeowner's exemption	$429,800 (+14.19%) Land $68,200 Building $361,600	$429,800 (+14.19%) Land $68,200 Building $361,600
2022	$7,569.00	$376,400 Land $68,200 Building $308,200	$376,400 Land $68,200 Building $308,200

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 100 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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