3045 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3045 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3.5 Baths
Year Built	Built 1992
Square Footage	3,809 sqft Living Area
Lot Size	208,739 sqft (4.79 acres)
Occupancy	Owner Occupied
Last Sale	$380,000 (2016)
Tax Bill	$5,306.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`19-26-31-4950-0001-0750`
Alternative APNs	`263119495000010750` `97813`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Building Area	3,809 sqft Living Area
Gross Area	5,378 sqft Gross Area
1st Floor	3,017 sqft 1st Floor
Upper Floors	792 sqft Upper Floors
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Brick Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	208,739 sqft (4.79 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Attached Garage
Garage Area	529 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	392 sqft Pool
Total Buildings	2 Total Buildings
Deck Area	238 sqft Deck
Porch Area	1,040 sqft Porch
Utility Building	260 sqft Utility Building

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Central Heating

Location & Zoning

Street Address	3045 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-8103
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 25 LOT 75
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	750
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1021
Census Tract	43304

Owner

Source: Osceola County records · APN 19-26-31-4950-0001-0750

Assessment roll updated November 26, 2025 · Last verified April 2026

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 File
Mailing Address	3045 PACKARD AVE, SAINT CLOUD, FL 34772-8103
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 14, 2016 · Amount on Record
Deed Sale	Oct 14, 2016 · Amount on Record
Prior Sale	Oct 01, 2016 · Amount on Record
Deed Doc Number	2016154830
Deed Book / Page	5039 / 2787
Prior Transfer Date	Dec 14, 2007
Prior Transfer Doc	0036230443
Record Refreshed	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3045 PACKARD AVE, SAINT CLOUD, FL 34772-8103
Document Number	0057282273
Instrument Date	May 19, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3045 PACKARD AVE ST CLOUD FL 347728103, ST CLOUD, FL 34772-8103

Mortgage

Document Number	0057282273
Date	May 28, 2020
Book Page	005728/002273
Instrument	69140

Lender

Name	MR COOPER
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 27, 2035

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,610.00 (+5.73%) Homeowner's exemption	$342,931 (+5.99%)	$613,900 (+7.33%) Land $177,300 Building $436,600
2024	$5,306.00 (+2.02%)
2023	$5,201.00 (+4.42%) Homeowner's exemption	$323,561 (+3%)	$572,000 (+12.07%) Land $158,100 Building $413,900
2022	$4,981.00 Homeowner's exemption	$314,137	$510,400 Land $153,300 Building $357,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	About 1 in 394 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.