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3125 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3125 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2020
Square Footage2,849 sqft Heated Area
Lot Size209,132 sqft (4.8 acres)
OccupancyOwner Occupied
Last Sale$136,000 (2017)
Tax Bill$5,938.00 (2025)

Property Details

APN / Parcel Number

Primary APN97834
Alternative APN
  • 192631495000011020

Interior

Bedrooms4 Beds
Full Baths4 Baths
Building Area2,849 sqft Heated Area
Gross Area3,665 sqft Gross Area
1st Floor924 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2020
Architectural StyleMobile/Manufactured Style
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area209,132 sqft (4.8 acres)
Parking Spaces8 Parking Spaces
Garage TypeFinished Garage
Garage Area960 sqft Garage
Deck Area48 sqft Deck
PorchOpen Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number97834
Street Address3125 PACKARD AVE
CitySAINT CLOUD
StateFL
Zip34772-8107
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 25 LOT 102
Legal Range31E
Legal Township26S
Legal Section19
Legal SubdivisionST CLOUD MANOR EST 1
Legal Tract4950
Legal Block1
Legal Lot Number102
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1021
Census Tract43304

Owner

Source: Osceola County records · APN 97834

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address3125 PACKARD AVE, SAINT CLOUD, FL 34772-8107
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 30, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERICAN FINANCING CORP
Mar 14, 2017Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
WILLIAM E TUCKER

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 14, 2017 · Amount on Record
Deed SaleMar 14, 2017 · Amount on Record
Prior SaleMar 27, 1996 · Amount on Record
Deed Doc Number2017039403
Deed Book / Page5116 / 1167
Record RefreshedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3125 PACKARD AVE, SAINT CLOUD, FL 34772-8107
Transaction TypeMortgage
Record UpdatedFeb 08, 2022
Title CompanyFIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3125 PACKARD AVE, SAINT CLOUD, FL 34772-8107

Mortgage

Document Number0059230752
DateMar 30, 2021
Book Page5923/752
Instrument2021046865
Lender
NameAMERICAN FINANCING CORP
TypeLending Institution
AddressAURORA, CO 80014
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2051

March 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 14, 2017
Property Address3125 PACKARD AVE, SAINT CLOUD, FL 34772-8107
Document Number0051161167
Book / Page005116 / 001167
Instrument DateFeb 24, 2017
Instrument39403
Transaction TypeTransfer
Record UpdatedApr 12, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$952.00
Amount AccuracyConfirmed
Additional
  • Notice of Foreclosure Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3125 PACKARD AVE ST CLOUD FL 347728107, ST CLOUD, FL 34772-8107

Mortgage

Document Number51161168
DateMar 14, 2017
Book Page005116/001168
Instrument39404
Lender
NameWILLIAM E TUCKER
Address1704 W NEW NOLTE RD, ST CLOUD, FL 34772-7752
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term180 Months
DueMar 13, 2032
Interest
Rate6.5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,938.00 (+6.63%) Homeowner's exemption$418,046 (+5.99%)$622,900 (+6.99%) Land $177,600 Building $445,300
2023$5,569.00 (+10.94%) Homeowner's exemption$394,433 (+3%)$582,200 (+12.79%) Land $158,400 Building $423,800
2022$5,020.00 Homeowner's exemption$382,945$516,200 Land $153,600 Building $362,600

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 63% of the US · above 38% of Florida
Wildfire LikelihoodAbout 1 in 403 per year
ExposureDirect
burnable vegetation at the parcel

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

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