3435 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3435 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,812 sqft · built 1994
Lot Size	2.41 acres (105,328 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Dec 2019)
Tax Bill	$4,688 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`98356`

Property Details

APN / Parcel Number

Primary APN	`98356`
Alternative APN	`302631508000010750`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,812 sqft Heated Area
Gross Area	3,432 sqft
1st Floor Area	2,812 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2008
Exterior Material	Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	105,328 sqft (2.41 acres)
Garage Area	1,512 sqft
Porch	Open Porch
Porch Area	620 sqft
Utility Building	576 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98356
Street Address	3435 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-7341
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST 2 PB 1 PG 365 N 1/2 LOT 75 LESS W 7.5 FT
Legal Range	31E
Legal Township	26S
Legal Section	30
Legal Subdivision	ST CLOUD MANOR EST 2
Legal Tract	5080
Legal Block	1
Legal Lot Number	75
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43304

Owner

Source: Osceola County records · APN 98356

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3435 PACKARD AVE, SAINT CLOUD, FL 34772-7341
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 16, 2019 · Amount on Record
Deed Sale	Dec 16, 2019 · Amount on Record
Prior Sale	Aug 16, 2016 · Amount on Record
Deed Document Number	2019162318
Deed Book / Page	5640 / 2287
Record Updated	Jun 08, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2019
Property Address	3435 PACKARD AVE, SAINT CLOUD, FL 34772-7341
Document Number	0056402287
Book / Page	5640 / 2287
Map Reference	MB 1 PG 365
Instrument Date	Dec 13, 2019
Instrument	2019162318
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3435 PACKARD AVE, 3435, SAINT CLOUD, FL 34772-7341

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3435 PACKARD AVE, SAINT CLOUD, FL 34772-7341

Mortgage

Document Number	0056402289
Date	Dec 16, 2019
Instrument	5640/2289

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

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

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	$4,688.00 (+7.03%) Homeowner's exemption	$327,794 (+5.99%)	$461,400 (+4.01%) Land $122,100 Building $339,300
2023	$4,380.00 (+3.99%) Homeowner's exemption	$309,278 (+3%)	$443,600 (+18.86%) Land $120,900 Building $322,700
2022	$4,212.00 Homeowner's exemption	$300,270	$373,200 Land $96,700 Building $276,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Moderate above 47% of the US · above 17% of Florida
Wildfire Likelihood	About 1 in 633 per year
Exposure	Direct burnable vegetation at the parcel

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