3824 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3824 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Prefabricated > Mobile Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 2000
Square Footage	2,040 sqft Heated Area
Lot Size	213,792 sqft (4.9 acres)
Occupancy	Owner Occupied
Last Sale	$450,000 (2024)
Tax Bill	$3,645.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`98608`
Alternative APN	`312631495000010740`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,040 sqft Heated Area
Gross Area	2,168 sqft Gross Area
1st Floor	2,040 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2000
Architectural Style	Mobile/Manufactured Style
Exterior Material	Vinyl Exterior
Foundation Type	Pier/Post & Beam Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	213,792 sqft (4.9 acres)

Exterior Amenities

Pool Area	28 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	384 sqft Shed
Deck Area	192 sqft Deck
Porch	Open Porch
Porch Area	518 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	98608
Street Address	3824 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-7381
Property Usage	Residential Property Usage
Type	Residential > Prefabricated > Mobile Home
Legal Description	S L & I C PB B PG 27 LOT 74 LESS S 160 FT & LESS E 7.5 FT
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	74
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43205

Owner

Source: Osceola County records · APN 98608

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	3824 PACKARD AVE, SAINT CLOUD, FL 34772-7381
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	Jul 25, 2024 · Amount on Record
Deed Sale	Jul 25, 2024 · Amount on Record
Prior Sale	Jun 28, 1996 · Amount on Record
Deed Doc Number	2024097150
Deed Book / Page	6639 / 382
Record Refreshed	Jun 08, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 25, 2024
Property Address	3824 PACKARD AVE, SAINT CLOUD, FL 34772-7381
Document Number	0066390382
Book / Page	6639 / 382
Map Reference	MB B PG 27
Instrument Date	Jul 19, 2024
Instrument	2024097150
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,150.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3824 PACKARD AVE, SAINT CLOUD, FL 34772-7381

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	3824 PACKARD AVE, SAINT CLOUD, FL 34772-7381

Mortgage

Document Number	2024097151
Date	Jul 25, 2024
Instrument	2024097151

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,645.00 (+117.22%) Homeowner's exemption	$252,556 (+118.1%)	$372,600 (+15.68%) Land $162,500 Building $210,100
2023	$1,678.00 (-25.09%) Homeowner's exemption	$115,800 (-27.27%)	$322,100 (+6.66%) Land $126,200 Building $195,900
2022	$2,240.00 Homeowner's exemption	$159,228	$302,000 Land $157,100 Building $144,900

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

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.