3454 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3454 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2004
Square Footage	2,777 sqft Living Area
Lot Size	213,313 sqft (4.89 acres)
Occupancy	Owner Occupied
Last Sale	$270,000 (2012)
Tax Bill	$8,060.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`30-26-31-5080-0001-0870`
Alternative APNs	`263130508000010870` `98374`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,777 sqft Living Area
Gross Area	3,880 sqft Gross Area
1st Floor	2,777 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Conventional Style
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	213,313 sqft (4.89 acres)
Parking Spaces	5 Parking Spaces
Garage Type	Detached Garage
Garage Area	875 sqft Garage

Exterior Amenities

Shed	1 Shed
Shed Area	192 sqft Shed
Porch Area	548 sqft Porch
Pole Structure	504 sqft Pole Structure

Utilities and HVAC

Cooling System	Wall Unit Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3454 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-7333
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST UN 2 PB 1 PG 365 LOT 87
Legal Range	31E
Legal Township	26S
Legal Section	30
Legal Subdivision	ST CLOUD MANOR ESTATES UNIT 2
Legal Tract	5080
Legal Block	870
Legal Lot Number	87
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1026
Census Tract	43304

Owner

Source: Osceola County records · APN 30-26-31-5080-0001-0870

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 Record	2 Individual Names on File
Mailing Address	3454 PACKARD AVE, SAINT CLOUD, FL 34772-7333
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 08, 2012 · Amount on Record
Deed Sale	Aug 08, 2012 · Amount on Record
Prior Sale	Nov 15, 2002 · Amount on Record
Deed Doc Number	2012116229
Deed Book / Page	4306 / 1995
Last Transfer Date	Dec 18, 2014
Transfer Doc	0047171807
Record Refreshed	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3454 PACKARD AVE, SAINT CLOUD, FL 34772-7333
Transaction Type	Mortgage
Record Updated	Feb 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3454 PACKARD AVE, SAINT CLOUD, FL 34772-7333

Mortgage

Document Number	0058091153
Date	Oct 09, 2020
Book Page	5809/1153
Instrument	2020135773

Lender

Name	CENTERSTATE BANK NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 02, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

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

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	$8,584.00 (+6.5%)	$568,200 (+3.5%) Land $195,900 Building $372,300	$568,200 (+3.5%) Land $195,900 Building $372,300
2024	$8,060.00 (+4.78%)
2023	$7,692.00 (+13.35%)	$549,000 (+19.74%) Land $195,900 Building $353,100	$549,000 (+19.74%) Land $195,900 Building $353,100
2022	$6,786.00	$458,500 Land $156,700 Building $301,800	$458,500 Land $156,700 Building $301,800

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 55% of the US · above 26% of Florida
Wildfire Likelihood	About 1 in 613 per year
Exposure	Direct burnable vegetation at the parcel

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