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3541 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3541 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2007
Square Footage1,597 sqft Living Area
Lot Size106,765 sqft (2.45 acres)
OccupancyOwner Occupied
Last Sale$335,000 (2020)
Tax Bill$3,720.00 (2024)

Property Details

APN / Parcel Number

Primary APN30-26-31-5080-0001-1075
Alternative APNs
  • 263130508000011075
  • 98397

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,597 sqft Living Area
Gross Area2,349 sqft Gross Area
1st Floor1,597 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 2007
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area106,765 sqft (2.45 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area441 sqft Garage

Exterior Amenities

Shed1 Shed
Shed Area120 sqft Shed
Patio Area198 sqft Patio
Porch Area311 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3541 PACKARD AVE
CitySAINT CLOUD
StateFL
Zip34772-7302
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionST CLOUD MANOR EST UNIT 2 PB 1 PG 365 A PORTION OF LOT 107: BEG AT NW COR, S 35 FT E 354.81 FT, S 293.35 FT, E 287.13 FT, N 328.25 FT, W 641.28 FT TO POB LESS W 7.5 FT
Legal Range31E
Legal Township26S
Legal Section30
Legal SubdivisionST CLOUD MANOR ESTATES UNIT 2
Legal Tract5080
Legal Block1075
Legal Lot Number107
Legal Unit2P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1027
Census Tract43304

Owner

Source: Osceola County records · APN 30-26-31-5080-0001-1075

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 Address3541 PACKARD AVE, SAINT CLOUD, FL 34772-7302
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Aug 10, 2021Deed of Trust, Mortgage · Conventional Mortgage
THE MORTGAGE FIRM INC
Mar 27, 2020Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE FIRM
Mar 27, 2020Correction Deed
SMART INT'L TITLE LLC
May 15, 2019Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 27, 2020 · Amount on Record
Deed SaleMar 27, 2020 · Amount on Record
Prior SaleAug 09, 2016 · Amount on Record
Deed Doc Number202043827
Deed Book / Page5699 / 2737
Prior Transfer DateMar 23, 2020
Prior Transfer Doc0056992735
Record RefreshedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3541 PACKARD AVE, SAINT CLOUD, FL 34772-7302
Transaction TypeMortgage
Record UpdatedFeb 08, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3541 PACKARD AVE, SAINT CLOUD, FL 34772-7302

Mortgage

Document Number0060191207
DateAug 10, 2021
Book Page6019/1207
Instrument2021123277
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 27, 2020
Property Address3541 PACKARD AVE, SAINT CLOUD, FL 34772-7302
Document Number0056992737
Book / Page005699 / 002737
Instrument DateMar 24, 2020
Instrument43827
Transaction TypeTransfer
Record UpdatedJun 09, 2020
Title CompanySMART INT'L TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,345.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3541 PACKARD AVE ST CLOUD FL 347727302, ST CLOUD, FL 34772-7302

Mortgage

Document Number56992739
DateMar 27, 2020
Book Page005699/002739
Instrument43828
Lender
NameMORTGAGE FIRM
TypeMortgage Company
AddressALTAMONTE SPRINGS, FL 32714
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 26, 2050

March 2020: Correction Deed

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateMar 27, 2020
Property Address3541 PACKARD AVE, SAINT CLOUD, FL 34772-7302
Document Number0056992735
Book / Page005699 / 002735
Instrument DateMar 23, 2020
Instrument43826
Record UpdatedJun 08, 2020
Title CompanySMART INT'L TITLE LLC

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3541 PACKARD AVE ST CLOUD FL 347727302, ST CLOUD, FL 34772-7302

May 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 15, 2019
Property Address3541 PACKARD AVE, SAINT CLOUD, FL 34772-7302
Document Number0055242110
Book / Page005524 / 002110
Instrument DateMay 13, 2019
Instrument62648
Transaction TypeTransfer
Record UpdatedMay 31, 2019
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3541 PACKARD AVE ST CLOUD FL 347727302, ST CLOUD, FL 34772-7302

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$3,912.00 (+5.16%) Homeowner's exemption$271,793 (+5.99%)$376,400 (+3.89%) Land $123,800 Building $252,600
2024$3,720.00 (+2.14%)
2023$3,642.00 (+4.21%) Homeowner's exemption$256,441 (+3%)$362,300 (+19.61%) Land $122,600 Building $239,700
2022$3,495.00 Homeowner's exemption$248,972$302,900 Land $98,000 Building $204,900

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 A
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood ElevationNot determined for this zone

Wildfire

Wildfire RiskModerate
above 58% of the US · above 31% of Florida
Wildfire LikelihoodAbout 1 in 562 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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