Osceola County property record for 3810 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Prefabricated > Mobile Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1987 |
| Square Footage | 1,568 sqft Heated Area |
| Lot Size | 24,916 sqft (0.571 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $200,000 (2021) |
| Tax Bill | $3,410.00 (2025) |
| Primary APN | 98561 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,568 sqft Heated Area |
| 1st Floor | 1,568 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1987 |
|---|---|
| Architectural Style | Mobile/Manufactured Style |
| Exterior Material | Vinyl Exterior |
| Foundation Type | Pier/Post & Beam Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 24,916 sqft (0.571 acres) |
| Depth X Width | 217 ft x 115 ft Depth x Width |
| Fence | Fence |
|---|---|
| Shed | 1 Shed |
| Shed Area | 220 sqft Shed |
| Deck Area | 200 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 60 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 98561 |
|---|---|
| Street Address | 3810 PACKARD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7381 |
| Property Usage | Residential Property Usage |
| Type | Residential > Prefabricated > Mobile Home |
| Legal Description | JAYNES SUB REPLAT PB 7 PG 135 LOT 4 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 3552 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1002 |
| Census Tract | 43205 |
Source: Osceola County records · APN 98561
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3810 PACKARD AVE, SAINT CLOUD, FL 34772-7381 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed, Transfer · Federal Housing Administration (FHA) Mortgage SUMMIT MORTGAGE CORP |
| May 11, 2021 | Deed, Transfer · Balloon Payment NORMAN SVOBODA |
| Feb 09, 2018 | Warranty Deed, Transfer VERNA J JAYNE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 23, 2021 · Amount on Record |
| Deed Sale | Aug 23, 2021 · Amount on Record |
| Prior Sale | May 11, 2021 |
| Deed Doc Number | 2021130180 |
| Deed Book / Page | 6027 / 1820 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2021 |
| Property Address | 3810 PACKARD AVE, SAINT CLOUD, FL 34772-7381 |
| Document Number | 0060271820 |
| Book / Page | 6027 / 1820 |
| Map Reference | MB 7 PG 90 |
| Instrument Date | Aug 20, 2021 |
| Instrument | 2021130180 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PCS TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,400.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9224 WEST COLONIA DRIVE, ORLANDO, FL 32804 |
| Name | Verified Name |
|---|---|
| Address | 3810 PACKARD AVE, SAINT CLOUD, FL 34772-7381 |
| Document Number | 0060271821 |
|---|---|
| Date | Aug 23, 2021 |
| Instrument | 6027/1821 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Number | 0060271841 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 6027/1841 |
| Instrument | 2021130182 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55441 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 11, 2021 |
| Property Address | 3810 PACKARD AVE, SAINT CLOUD, FL 34772-7381 |
| Document Number | 0059552673 |
| Book / Page | 5955 / 2673 |
| Map Reference | MB 7 PG 135 |
| Instrument Date | May 06, 2021 |
| Instrument | 2021072593 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PCS TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3810 PACKARD AVE, SAINT CLOUD, FL 34772-7381 |
| Name | Verified Name |
|---|---|
| Address | 924 W COLONIAL DR, ORLANDO, FL 32804-7314 |
| Investor | Possibly a Property Investor |
| Document Number | 0059552675 |
|---|---|
| Date | May 11, 2021 |
| Instrument | 5955/2675 |
| Name | NORMAN SVOBODA |
|---|---|
| Type | Private Party |
| Type | Balloon Payment |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Nov 07, 2021 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 09, 2018 |
| Property Address | 3810 PACKARD AVE, SAINT CLOUD, FL 34772-7381 |
| Document Number | 0052832550 |
| Book / Page | 005283 / 002550 |
| Instrument Date | Feb 08, 2018 |
| Instrument | 23314 |
| Transaction Type | Transfer |
| Record Updated | Feb 27, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $522.48 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3810 PACKARD AVE ST CLOUD FL 347727381, ST CLOUD, FL 34772-7381 |
| Document Number | 52832551 |
|---|---|
| Date | Feb 09, 2018 |
| Book Page | 005283/002551 |
| Instrument | 23315 |
| Name | VERNA J JAYNE |
|---|---|
| Address | 4560 DEER RUN RD, ST CLOUD, FL 34772-8054 |
| Special Notes | Lender is also the Seller |
| Amount | Amount Recorded |
|---|---|
| Term | 300 Months |
| Due | Feb 08, 2043 |
| Rate | 8% |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,410.00 (+13.67%) | $194,800 (+5.3%) Land $60,000 Building $134,800 | $194,800 (+5.3%) Land $60,000 Building $134,800 |
| 2023 | $3,000.00 (+14.55%) | $185,000 (+26.54%) Land $50,000 Building $135,000 | $185,000 (+26.54%) Land $50,000 Building $135,000 |
| 2022 | $2,619.00 | $146,200 Land $50,000 Building $96,200 | $146,200 Land $50,000 Building $96,200 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 33% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 529 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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