Osceola County property record for 3844 Henry J Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,152 sqft · built 1978 |
| Lot Size | 2.36 acres (102,801 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $180,000 (Oct 2018) |
| Tax Bill | $4,048 (2025) |
| Deeds & Mortgages | Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-26-30-4950-0001-0760 |
| Primary APN | 36-26-30-4950-0001-0760 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 1,152 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Custom Design |
| Exterior Material | Aluminum Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 102,801 sqft (2.36 acres) |
| Porch | Metal Porch |
|---|---|
| Porch Area | 96 sqft |
| Deck Area | 80 sqft |
| Shed | 1 Shed |
| Shed Area | 140 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 3844 HENRY J AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 20 E 1/2 LOT 76 LESS R/W |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 36 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 760 |
| Legal Lot Number | 76 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 43205 |
3844 Henry J Ave is owned and occupied by two individuals who bought it in October 2018.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3844 HENRY J AVE, SAINT CLOUD, FL 34772-7325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2018 · Amount on File |
| Deed Sale | Oct 22, 2018 · Amount on File |
| Deed Document Number | 2018157354 |
| Deed Book / Page | 5420 / 1985 |
| Prior Transfer Date | Jul 22, 2016 |
| Prior Transfer Doc | 0050770399 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 22, 2018 |
| Property Address | 3844 HENRY J AVE, SAINT CLOUD, FL 34772-7325 |
| Document Number | 0054201985 |
| Book / Page | 5420 / 1985 |
| Map Reference | MB B PG20 |
| Instrument Date | Oct 19, 2018 |
| Instrument | 2018157354 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,260.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1228 WARWICK DR, 1228, MIAMISBURG, OH 45342-3251 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3844 HENRY J AVE, SAINT CLOUD, FL 34772-7325 |
| Document Number | 2018157355 |
|---|---|
| Date | Oct 22, 2018 |
| Instrument | 2018157355 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
The 2025 property tax bill for 3844 Henry J Ave was $4,048 with exemptions applied, up 4% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,048.00 (+3.95%) Homeowner's exemption Disabled Person's exemption | $177,975 | $293,800 Land $153,400 Building $140,400 |
| 2024 | $3,894.00 (+1.43%) | ||
| 2023 | $3,839.00 (+1.59%) Homeowner's exemption Disabled Person's exemption | $167,923 (+3%) | $254,400 (+15.27%) Land $119,200 Building $135,200 |
| 2022 | $3,779.00 Homeowner's exemption Disabled Person's exemption | $163,033 | $220,700 Land $106,200 Building $114,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3844 Henry J Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1997.
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 |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| Claims by Event |
|
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 risk around 3844 Henry J Ave is moderate, ranking above 54% 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 54% of the US · lower than 74% 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.
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 |
| 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.
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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