3730 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3730 Packard Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,691 sqft · built 1996
Lot Size	2.4 acres (104,848 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2003)
Tax Bill	$3,015 (2025)
Deeds & Mortgages	Feb 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-5090-0001-0550`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5090-0001-0550`
Alternative APNs	`263131509000010550` `98697`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,691 sqft Living Area
Gross Area	3,203 sqft
1st Floor Area	1,691 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	104,848 sqft (2.4 acres)
Garage Type	Attached
Garage Area	462 sqft

Exterior Amenities

Porch	Enclosed/Finished Porch
Porch Area	330 sqft
Shed	1 Shed
Shed Area	70 sqft
Stable	646 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3730 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-7304
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA2M
Legal Description	ST CLOUD MANOR EST 3 PB 1 PG 413 N 1/2 LOT 55 LESS E 7.5 FT
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR ESTATES UNIT 3
Legal Tract	5090
Legal Block	550
Legal Lot Number	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1047
Census Tract	43304

Owner

Source: Osceola County records, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3730 PACKARD AVE, SAINT CLOUD, FL 34772-7304
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 19, 2003 · Amount on Record
Deed Sale	Sep 19, 2003 · Amount on Record
Prior Sale	Oct 9, 1995 · Amount on Record
Deed Book / Page	2342 / 2547
Last Transfer Date	Jan 20, 2021
Transfer Doc	0058860459
Record Updated	Jun 8, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2021
Property Address	3730 PACKARD AVE, SAINT CLOUD, FL 34772-7304
Document Number	0058860459
Book / Page	5886 / 459
Map Reference	MB 1 PG 413
Instrument Date	Jan 20, 2021
Instrument	2021017511
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NOT AVAILABLE, SOLIDIFI

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	3730 PACKARD AVE, SAINT CLOUD, FL 34772-7304

Mortgage

Document Number	0005886461
Date	Feb 5, 2021
Instrument	5886/461

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,015.00 (+5.86%) Homeowner's exemption Widower's exemption	$183,431 (+5.99%)	$374,800 (+3.62%) Land $121,600 Building $253,200
2024	$2,848.00 (+2.45%)
2023	$2,780.00 (+18%) Homeowner's exemption Widower's exemption	$173,070 (+3%)	$361,700 (+19.29%) Land $120,400 Building $241,300
2022	$2,356.00 Homeowner's exemption Widower's exemption	$168,030	$303,200 Land $96,300 Building $206,900

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

Flood

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 Record 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

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

Wildfire Risk	Moderate above 62% of the US · lower than 63% 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20