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3445 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3445 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 2023
Square Footage1,817 sqft Living Area
Lot Size105,371 sqft (2.41 acres)
OccupancyOwner Occupied
Last Sale$300,000 (2021)
Tax Bill$6,184.00 (2024)

Property Details

APN / Parcel Number

Primary APN30-26-31-5080-0001-0755
Alternative APNs
  • 263130508000010755
  • 98357

Interior

Bedrooms3 Beds
Full Baths3 Baths
Building Area1,817 sqft Living Area
Gross Area2,352 sqft Gross Area
1st Floor1,817 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructurePaneling Interior Structure

Exterior

Year BuiltBuilt 2023
Effective Year BuiltEffective 2023
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area105,371 sqft (2.41 acres)
Parking Spaces3 Parking Spaces
Garage Area690 sqft Garage
Deck Area100 sqft Deck

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3445 PACKARD AVE
CitySAINT CLOUD
StateFL
Zip34772-7341
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR EST 2 PB 1 PG 365 S 1/2 LOT 75 LESS 7.5 FT
Legal Range31E
Legal Township26S
Legal Section30
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 2
Legal Tract5080
Legal Block755
Legal Lot Number75
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1027
Census Tract43304

Owner

Source: Osceola County records · APN 30-26-31-5080-0001-0755

Assessment roll updated November 26, 2025 · Last verified April 2026

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 Address3445 PACKARD AVE, SAINT CLOUD, FL 34772-7341
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 24, 2017Deed of Trust, Mortgage · Stand Alone Second Mortgage
FLORIDA HOUSING FINANCE CORP
Dec 06, 2021Warranty Deed, Transfer · Conventional Mortgage
AMERIFIRST FINANCIAL INC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 06, 2021 · Amount on Record
Deed SaleDec 06, 2021 · Amount on Record
Prior SaleJan 21, 2016 · Amount on Record
Deed Doc Number2021187309
Deed Book / Page6100 / 2027
Prior Transfer DateNov 18, 2009
Prior Transfer Doc0039282323
Record RefreshedJun 08, 2026

April 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3445 PACKARD AVE, SAINT CLOUD, FL 34772-7341
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0051370119
DateApr 24, 2017
Book Page5137/0119
Instrument2017060730
Lender
NameFLORIDA HOUSING FINANCE CORP
TypeFunding / Finance Company
AddressTALLAHASSEE, FL 32301
Agreement
TypeStand Alone Second Mortgage
AmountAmount Recorded
Term120 Months
DueApr 23, 2027

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 06, 2021
Property Address3445 PACKARD AVE, SAINT CLOUD, FL 34772-7341
Document Number0061002027
Book / Page6100 / 2027
Map ReferenceMB 1 PG 365
Instrument DateNov 16, 2021
Instrument2021187309
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,100.00
Amount AccuracyRounded Values by County
Additional
  • Lis Pendens
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1224 SANDLER DR NE, 1224, ALBUQUERQUE, NM 87112-5752

Transferred To (Grantee/Buyer)

NameVerified Name
Address3445 PACKARD AVE, SAINT CLOUD, FL 34772-7341

Mortgage

Document Number0061002030
DateDec 06, 2021
Instrument6100/2030
Lender
NameAMERIFIRST FINANCIAL INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueDec 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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$6,523.00 (+5.48%)$419,400 (+45.37%) Land $122,200 Building $297,200$419,400 (+45.37%) Land $122,200 Building $297,200
2024$6,184.00 (+46.33%)
2023$4,226.00 (+17.26%)$288,500 (+33.13%) Land $121,000 Building $167,500$288,500 (+33.13%) Land $121,000 Building $167,500
2022$3,604.00$216,700 Land $96,800 Building $119,900$216,700 Land $96,800 Building $119,900

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
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskModerate
above 47% of the US · above 17% of Florida
Wildfire LikelihoodAbout 1 in 633 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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