3725 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3725 Packard Ave, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1995
Square Footage	1,462 sqft Living Area
Lot Size	106,242 sqft (2.43 acres)
Occupancy	Owner Occupied
Last Sale	$175,000 (2015)
Tax Bill	$8,033.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5090-0001-0430`
Alternative APNs	`263131509000010430` `98690`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,462 sqft Living Area
Gross Area	1,952 sqft Gross Area
1st Floor	1,462 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1995
Architectural Style	Conventional Style
Exterior Material	Aluminum Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	106,242 sqft (2.43 acres)
Parking Spaces	4 Parking Spaces
Garage Type	Attached Garage
Garage Area	462 sqft Garage
Porch Area	28 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3725 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-7303
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	ST CLOUD MANOR EST 3 PB 1 PG 413 N 1/2 LOT 43
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR ESTATES UNIT 3
Legal Tract	5090
Legal Block	430
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1048
Census Tract	43304

Owner

Source: Osceola County records · APN 31-26-31-5090-0001-0430

Assessment roll updated November 26, 2025 · Last verified August 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	3725 PACKARD AVE, SAINT CLOUD, FL 34772-7303
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	Jan 22, 2015 · Amount on Record
Deed Sale	Jan 22, 2015 · Amount on Record
Prior Sale	Dec 01, 2014 · Amount on Record
Deed Doc Number	201510574
Deed Book / Page	4725 / 1054
Prior Transfer Date	Apr 01, 2014
Prior Transfer Doc	0045952067
Record Refreshed	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3725 PACKARD AVE, SAINT CLOUD, FL 34772-7303
Transaction Type	Mortgage
Record Updated	Feb 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052060800
Date	Sep 07, 2017
Book Page	5206/0800
Instrument	2017129010

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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	$8,184.00 (+1.88%) Homeowner's exemption	$154,185 (+5.99%)	$332,600 (+3.39%) Land $123,200 Building $209,400
2024	$8,033.00 (+283.99%)
2023	$2,092.00 (+5.18%) Homeowner's exemption	$145,476 (+3%)	$321,700 (+19.9%) Land $122,000 Building $199,700
2022	$1,989.00 Homeowner's exemption	$141,239	$268,300 Land $97,600 Building $170,700

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 A
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	Not determined for this zone

Wildfire

Wildfire Risk	Moderate above 62% of the US · above 37% of Florida
Wildfire Likelihood	About 1 in 498 per year
Exposure	Direct burnable vegetation at the parcel

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