Osceola County property record for 3160 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2003 |
| Square Footage | 2,305 sqft Heated Area |
| Lot Size | 209,741 sqft (4.81 acres) |
| Garage | Finished, 484 sqft |
| Occupancy | Owner Occupied |
| Tax Bill | $5,031.00 (2025) |
| Primary APN | 97854 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,305 sqft Heated Area |
| Gross Area | 3,328 sqft Gross Area |
| 1st Floor | 2,693 sqft 1st Floor |
| Upper Floors | 242 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum Siding Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 209,741 sqft (4.81 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 484 sqft Garage |
| Pool Type | 1 Pool Type |
|---|---|
| Pool Area | 420 sqft Pool |
| Total Buildings | 2 Total Buildings |
| Deck Area | 720 sqft Deck |
| Porch | Open Porch |
| Porch Area | 899 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 97854 |
|---|---|
| Street Address | 3160 PACKARD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8104 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 25 LOT 119 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 19 |
| Legal Subdivision | ST CLOUD MANOR EST 1 |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 119 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1021 |
| Census Tract | 43304 |
Source: Osceola County records · APN 97854
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3160 PACKARD AVE, SAINT CLOUD, FL 34772-8104 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Apr 06, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CENTENNIAL BANK |
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 28, 2021 |
| Deed Sale | Apr 28, 2021 |
| Prior Sale | Nov 09, 2006 · Amount on Record |
| Deed Doc Number | 2013170278 |
| Deed Book / Page | 4523 / 0200 |
| Prior Transfer Date | Oct 29, 2013 |
| Prior Transfer Doc | 2013170278 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3160 PACKARD AVE, SAINT CLOUD, FL 34772-8104 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051281002 |
|---|---|
| Date | Apr 06, 2017 |
| Book Page | 5128/1002 |
| Instrument | 2017052132 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3160 PACKARD AVE, SAINT CLOUD, FL 34772-8104 |
| Document Number | 0058420153 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3160 PACKARD AVE ST CLOUD FL 347728104, ST CLOUD, FL 34772-8104 |
| Document Number | 0058420153 |
|---|---|
| Date | Dec 01, 2020 |
| Book Page | 005842/000153 |
| Instrument | 162711 |
| Name | BETTER MTG CORP ISAOA |
|---|---|
| Address | NEW YORK, NY 10271 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 30, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,031.00 (+9.44%) Homeowner's exemption Widower's exemption | $368,636 (+5.99%) | $708,400 (+6.65%) Land $178,200 Building $530,200 |
| 2023 | $4,597.00 (+19.28%) Homeowner's exemption Widower's exemption | $347,813 (+3%) | $664,200 (+12.82%) Land $158,900 Building $505,300 |
| 2022 | $3,854.00 Homeowner's exemption Widower's exemption | $337,683 | $588,700 Land $154,100 Building $434,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 33% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 455 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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