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3875 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3875 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,019 sqft · built 2021
Lot Size4.81 acres (209,523 sqft)
Owner2 Individual Names on Record
Tax Bill$9,352 (2025)
Deeds & MortgagesFeb 2021 Mortgage
Oct 2023 Transfer
+ 2 more
Flood ZoneZone X (minimal risk)
APN36-26-30-4950-0001-0930

Property Details

APN / Parcel Number

Primary APN36-26-30-4950-0001-0930
Alternative APNs
  • 263036495000010930
  • 88870

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories1 Story
Building Area3,019 sqft Living Area
Gross Area4,042 sqft
1st Floor Area3,019 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area209,523 sqft (4.81 acres)
Garage TypeAttached
Garage Area460 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3875 HENRY J AVE
CitySAINT CLOUD
StateFL
Zip34772-7326
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOAC
Legal DescriptionS L & I C PB B PG 20 LOT 93 LESS W 7.5 FT
Legal Range30E
Legal Township26S
Legal Section36
Legal SubdivisionS L & I C
Legal Tract93
Legal Block930
Legal Lot Number93
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43205

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 Record2 Individual Names on Record
Mailing Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Feb 23, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Oct 3, 2023Intrafamily Transfer, Transfer
Feb 26, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Sep 27, 2019Warranty Deed, Transfer
A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 23, 2010
Deed SaleMar 23, 2010
Deed Document Number201040844
Deed Book / Page3963 / 1843
Last Transfer DateOct 3, 2023
Transfer Doc0064832563
Record UpdatedSep 20, 2026

February 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyINSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3863 WIND DANCER CIR, SAINT CLOUD, FL 34772-8273

Mortgage

Document Number0058962456
DateFeb 23, 2021
Book Page5896/2456
Instrument2021026127
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressMOUNT LAUREL, NJ 08054
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2051

October 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateOct 3, 2023
Property Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326
Document Number0064832563
Book / Page6483 / 2563
Map ReferenceMB B PG 20
Instrument DateOct 3, 2023
Instrument2023130117
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326

Transferred To (Grantee/Buyer)

NameVerified Name
Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326

February 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateFeb 26, 2020
Property Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326
Document Number0056801942
Book / Page005680 / 001942
Instrument DateFeb 26, 2020
Instrument27687
Transaction TypeTransfer
Record UpdatedMay 25, 2020
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3863 WIND DANCER CIR ST CLOUD FL 347728273, ST CLOUD, FL 34772-8273

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 27, 2019
Property Address3875 HENRY J AVE, SAINT CLOUD, FL 34772-7326
Document Number0055970099
Book / Page005597 / 000099
Instrument DateSep 27, 2019
Instrument125611
Transaction TypeTransfer
Record UpdatedOct 23, 2019
Title CompanyA CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW/

Transaction

AmountAmount Recorded
Tax$1,050.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3863 WIND DANCER CIR ST CLOUD FL 347728273, ST CLOUD, FL 34772-8273

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$9,352.00 (+3.52%)$623,600 (+11.02%) Land $173,200 Building $450,400$623,600 (+11.02%) Land $173,200 Building $450,400
2024$9,034.00 (+8.44%)
2023$8,331.00 (+10.92%)$561,700 (+13.2%) Land $123,100 Building $438,600$561,700 (+13.2%) Land $123,100 Building $438,600
2022$7,511.00$496,200 Land $123,100 Building $373,100$496,200 Land $123,100 Building $373,100

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 68 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies68 in force
Nearby Flood Claims9 (1997–2020)
Claims Outside the SFHA5 of 9
Most Recent ClaimJun 2020 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

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 RiskModerate
above 65% of the US · above 43% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 36 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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