3435 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3435 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,773 sqft · built 1989
Lot Size	2.42 acres (105,763 sqft)
Owner	2 Individual Names on Record
Last Sale	$250,000 (Sep 2015)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	Dec 2024 Mortgage Feb 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-26-30-5080-0001-0775`

Property Details

APN / Parcel Number

Primary APN	`25-26-30-5080-0001-0775`
Alternative APNs	`263025508000010775` `87808`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,773 sqft Living Area
Gross Area	3,209 sqft
1st Floor Area	2,773 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	105,763 sqft (2.42 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	36 sqft
Porch	Metal Porch
Porch Area	456 sqft
Deck Area	424 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3435 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-8019
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	ST CLOUD MANOR EST 2 PB 1 PG 365 S 1/2 LOT 77
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR ESTATES UNIT 2
Legal Tract	5080
Legal Block	775
Legal Lot Number	77
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43304

Owner

Source: Osceola County records, as of August 27, 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 Record
Mailing Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 31, 2024	Deed of Trust, Mortgage · Conventional Mortgage PLAINS COMMERCE BANK
Feb 18, 2025	Deed of Trust, Mortgage · Balloon Mortgage NEWPORT HOLDINGS LLC
Jun 1, 2018	Deed of Trust, Mortgage · Construction Mortgage SEACOAST NATIONAL BANK
Jun 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2015 · Amount on Record
Deed Sale	Sep 15, 2015 · Amount on Record
Deed Document Number	2015136388
Deed Book / Page	4841 / 1069
Record Updated	Oct 29, 2026

December 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019

Mortgage

Document Number	0067180619
Date	Dec 31, 2024
Book Page	6718/619
Instrument	2024163816

Lender

Name	PLAINS COMMERCE BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2055

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	A-Z TEAM TITLE LLC, A Z TEAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019

Mortgage

Document Number	0067412551
Date	Feb 18, 2025
Book Page	6741/2551
Instrument	2025020691

Lender

Name	NEWPORT HOLDINGS LLC
Type	Non-Lending Institution
Address	LEXINGTON, MA 02421

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 11, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	A Z TEAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053430254
Date	Jun 1, 2018
Book Page	5343/0254
Instrument	2018085310

Lender

Name	SEACOAST NATIONAL BANK
Type	Bank
Address	STUART, FL 34994

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3435 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	AZ TEAM TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055482321
Date	Jun 27, 2019
Book Page	5548/2321
Instrument	2019083482

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,588.00 (+7.62%) Homeowner's exemption	$248,445 (+5.99%)	$458,800 (+4.34%) Land $122,700 Building $336,100
2023	$3,334.00 (+4.32%) Homeowner's exemption	$234,412 (+3%)	$439,700 (+18.61%) Land $121,500 Building $318,200
2022	$3,196.00 Homeowner's exemption	$227,585	$370,700 Land $97,200 Building $273,500

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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