3727 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3727 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,134 sqft · built 1988
Lot Size	2.4 acres (104,849 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,722 (2025)
Deeds & Mortgages	Dec 2023 Line of Credit Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`88957`

Property Details

APN / Parcel Number

Primary APN	`88957`
Alternative APN	`362630509000010365`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,134 sqft Heated Area
Gross Area	1,694 sqft
1st Floor Area	1,134 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1988
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	104,849 sqft (2.4 acres)
Garage Type	Carport
Carport	Carport

Exterior Amenities

Porch	Open Porch
Porch Area	200 sqft
Patio Area	100 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	88957
Street Address	3727 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-8021
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	ST CLOUD MANOR EST UNIT 3 N1/2 OF LOT 36
Legal Range	30E
Legal Township	26S
Legal Section	36
Legal Subdivision	ST CLOUD MANOR EST 3
Legal Tract	5090
Legal Block	1
Legal Lot Number	36
Legal Unit	3N
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1044
Census Tract	43304

Owner

3727 Henry J Ave is owned and occupied by two individuals who acquired it in April 2022.

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

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 27, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Apr 5, 2022	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Feb 8, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Transfer Date	Apr 5, 2022
Transfer Doc	0061872967
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021
Transaction Type	Mortgage
Record Updated	Jan 16, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021

Mortgage

Document Number	0065251034
Date	Dec 27, 2023
Book Page	6525/1034
Instrument	2023167831

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Dec 8, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2022
Property Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021
Document Number	0061872967
Book / Page	6187 / 2967
Map Reference	MB 1 PG 413
Instrument Date	Apr 5, 2022
Instrument	2022054321
Transaction Type	Transfer
Record Updated	Apr 19, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021
Transaction Type	Mortgage
Record Updated	Feb 17, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061451636
Date	Feb 8, 2022
Book Page	6145/1636
Instrument	2022020763

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2052

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3727 HENRY J AVE, SAINT CLOUD, FL 34772-8021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058090921
Date	Oct 9, 2020
Book Page	5809/921
Instrument	2020135707

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 3727 Henry J Ave was $1,722 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	$1,722.00 Homeowner's exemption	$113,766	$275,400 Land $121,600 Building $153,800
2023	$1,560.00 (+6.05%) Homeowner's exemption	$107,340 (+3%)	$267,100 (+20.53%) Land $120,400 Building $146,700
2022	$1,471.00 Homeowner's exemption	$104,214	$221,600 Land $96,300 Building $125,300

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

Flood

FEMA maps place 3727 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 3727 Henry J Ave is moderate, ranking above 60% 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 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 48 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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