3344 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3344 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,280 sqft · built 2007
Lot Size	2.33 acres (101,930 sqft)
Owner	Individual Name on Record
Last Sale	$362,500 (Jan 2017)
Tax Bill	$6,353 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Sep 2019 Mortgage + 1 more
Flood Zone	Zone A (high risk)
APN	`87751`

Property Details

APN / Parcel Number

Primary APN	`87751`
Alternative APN	`252630507000010440`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,280 sqft Heated Area
Gross Area	5,412 sqft
1st Floor Area	3,040 sqft
Upper Floors Area	500 sqft
Attic Area	240 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	101,930 sqft (2.33 acres)
Garage Type	Mixed
Garage Area	2,024 sqft

Exterior Amenities

Pool Area	36 sqft
Porch	Porch
Porch Area	1,604 sqft
Deck Area	1,140 sqft
Fence	Fence
Stable	960 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	87751
Street Address	3344 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-8002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	ST CLOUD MANOR EST UNIT 1 PB 1 PG 363 S 1/2 LOT 44 LESS E 5 FT
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 1
Legal Tract	5070
Legal Block	1
Legal Lot Number	44
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43304

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3344 HENRY J AVE, SAINT CLOUD, FL 34772-8002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ADDITION FINANCIAL CU
Sep 30, 2019	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE FIRM
Jan 24, 2017	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2017 · Amount on Record
Deed Sale	Jan 24, 2017 · Amount on Record
Deed Document Number	2017012594
Deed Book / Page	5090 / 0540
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3344 HENRY J AVE, SAINT CLOUD, FL 34772-8002
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3344 HENRY J AVE, SAINT CLOUD, FL 34772-8002

Mortgage

Document Number	0060071971
Date	Jul 22, 2021
Book Page	6007/1971
Instrument	2021113762

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2031

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3344 HENRY J AVE, SAINT CLOUD, FL 34772-8002
Document Number	0056010787
Instrument Date	Sep 30, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3344 HENRY J AVE ST CLOUD FL 347728002, ST CLOUD, FL 34772-8002

Mortgage

Document Number	0056010787
Date	Oct 4, 2019
Book Page	005601/000787
Instrument	129014

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 3, 2034

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 24, 2017
Property Address	3344 HENRY J AVE, SAINT CLOUD, FL 34772-8002
Document Number	0050900540
Book / Page	5090 / 0540
Map Reference	MB1 PG363
Instrument Date	Jan 23, 2017
Instrument	2017012594
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3344 HENRY J AVE, 3344, SAINT CLOUD, FL 34772-8002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3344 HENRY J AVE, SAINT CLOUD, FL 34772-8002

Mortgage

Document Number	0050900541
Date	Jan 24, 2017
Instrument	5090/0541

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,353.00 (+8.21%) Homeowner's exemption	$565,022 (+5.99%)	$886,900 (+4.37%) Land $119,200 Building $767,700
2023	$5,871.00 (+4.58%) Homeowner's exemption	$533,106 (+3%)	$849,800 (+16.6%) Land $119,200 Building $730,600
2022	$5,614.00 Homeowner's exemption	$517,579	$728,800 Land $94,400 Building $634,400

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 58% of the US · lower than 68% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

May also be available: Verizon.

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