3085 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3085 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Architecture Style	Conventional
Year Built	Built 2006
Square Footage	1,696 sqft Living Area
Lot Size	122,664 sqft (2.81 acres)
Last Sale	$331,200 (2015)
Tax Bill	$5,257.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`19-26-31-4950-0001-0910`
Alternative APNs	`263119495000010910` `97821`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,696 sqft Living Area
Gross Area	1,932 sqft Gross Area
1st Floor	1,696 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	122,664 sqft (2.81 acres)
Shed	1 Shed
Shed Area	49 sqft Shed
Porch Area	236 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3085 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 BEG AT SE COR LOT 91, N 330.24 FT, W 226.85 FT, S 218.32 FT, N 88 DEG W 411 FT, S 125 FT, E 637.67 FT TO POB
Legal Range	31E
Legal Township	26S
Legal Section	19
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	910
Legal Lot Number	91
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1021
Census Tract	43304

Owner

Source: Osceola County records · APN 19-26-31-4950-0001-0910

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	Company Name on File
Mailing Address	FIRSTKEY HOMES, ATLANTA, GA 30067
Owner Type	Owner is a Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 14, 2015 · Amount on Record
Deed Sale	May 14, 2015 · Amount on Record
Prior Sale	Feb 24, 2012 · Amount on Record
Deed Doc Number	201569062
Deed Book / Page	4779 / 98
Prior Transfer Date	Jul 18, 2005
Prior Transfer Doc	0028521930
Record Refreshed	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3085 PACKARD AVE, SAINT CLOUD, FL 34772-8103
Document Number	0058492349
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Dec 23, 2020
Title Company	OS NATIONAL LLC, OS NAT'L LLC

Transaction

Additional	Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	875 3RD AVE #10TH NEW YORK NY 100226225, 10TH, NEW YORK, NY 10022-6225

Mortgage

Document Number	0058492349
Date	Dec 11, 2020
Book Page	005849/002349
Instrument	168625

Lender

Name	MORGAN STANLEY MTG CAP HLDGS L
Address	1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

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	$5,649.00 (+7.46%)	$386,600 (+3.15%) Land $142,200 Building $244,400	$386,600 (+3.15%) Land $142,200 Building $244,400
2024	$5,257.00 (+4.22%)
2023	$5,044.00 (+13.73%)	$374,800 (+20.63%) Land $142,200 Building $232,600	$374,800 (+20.63%) Land $142,200 Building $232,600
2022	$4,435.00	$310,700 Land $112,600 Building $198,100	$310,700 Land $112,600 Building $198,100

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

Wildfire

Wildfire Risk	Moderate above 63% of the US · above 38% of Florida
Wildfire Likelihood	About 1 in 403 per year
Exposure	Direct burnable vegetation at the parcel

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