3457 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3457 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,437 sqft · built 2016
Lot Size	2.22 acres (96,703 sqft)
Owner	Individual Name on File
Last Sale	$285,000 (Nov 2017)
Tax Bill	$3,792 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`252630508000010845`

Property Details

APN / Parcel Number

Primary APN	`252630508000010845`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,437 sqft Heated Area
Gross Area	2,047 sqft
1st Floor Area	1,437 sqft
Flooring	Terrazzo
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	96,703 sqft (2.22 acres)
Garage Type	Finished
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3457 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-8019
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST 2 PB 1 PG 365 LOT 84 LESS S 25 FT & W 5 FT AND LESS COM AT NE COR OF LOT 84, S 303.72 FT, N 89 DEG W
Legal Range	30E
Legal Township	26S
Legal Section	25
Legal Subdivision	ST CLOUD MANOR EST 2
Legal Tract	5080
Legal Lot Number	84
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43304

Owner

3457 Henry J Ave is owned and occupied by an individual who bought it in November 2017.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3457 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2017 · Amount on File
Deed Sale	Nov 1, 2017 · Amount on File
Prior Sale	Oct 5, 2016 · Amount on File
Deed Document Number	2017156572
Deed Book / Page	5233 / 0690
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2017
Property Address	3457 HENRY J AVE, SAINT CLOUD, FL 34772-8019
Document Number	0052330690
Book / Page	5233 / 0690
Map Reference	MB1 PG365
Instrument Date	Oct 26, 2017
Instrument	2017156572
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PROMINENCE TITLE & ESCROW LL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,995.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2163 DAINES RD, 2163, HILLSBORO, TN 37342

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3457 HENRY J AVE, SAINT CLOUD, FL 34772-8019

Mortgage

Document Number	0052330691
Date	Nov 1, 2017
Instrument	5233/0691

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3457 Henry J Ave was $3,792 with a homeowner's exemption.

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	$3,792.00 Homeowner's exemption	$263,141	$399,200 Land $99,900 Building $299,300
2023	$3,528.00 (+4.26%) Homeowner's exemption	$248,277 (+3%)	$383,900 (+12.51%) Land $99,900 Building $284,000
2022	$3,384.00 Homeowner's exemption	$241,046	$341,200 Land $99,900 Building $241,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3457 Henry J Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 3457 Henry J Ave is moderate, ranking above 52% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 52% of the US · lower than 77% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	None beyond ember reach

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
Verizon Fixed Wireless	300 / 20