3906 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3906 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2006
Square Footage	2,552 sqft Living Area
Lot Size	103,934 sqft (2.38 acres)
Occupancy	Owner Occupied
Last Sale	$220,000 (2012)
Tax Bill	$3,458.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`31-26-31-4950-0001-1060`
Alternative APNs	`263131495000011060` `98645`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,552 sqft Living Area
Gross Area	3,522 sqft Gross Area
1st Floor	2,552 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	103,934 sqft (2.38 acres)
Parking Spaces	7 Parking Spaces
Garage Type	Attached Garage
Garage Area	504 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	288 sqft Pool
Shed	1 Shed
Shed Area	144 sqft Shed
Deck Area	48 sqft Deck
Porch Area	466 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	3906 PACKARD AVE
City	SAINT CLOUD
State	FL
Zip	34772-7371
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 27 N 165.95 FT OF LOT 106
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1060
Legal Lot Number	106
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43205

Owner

Source: Osceola County records · APN 31-26-31-4950-0001-1060

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	3906 PACKARD AVE, SAINT CLOUD, FL 34772-7371
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 30, 2012 · Amount on Record
Deed Sale	Jul 30, 2012 · Amount on Record
Prior Sale	Jan 13, 2006 · Amount on Record
Deed Doc Number	2012111556
Deed Book / Page	4302 / 764
Last Transfer Date	Mar 26, 2013
Transfer Doc	0044332683
Record Refreshed	Jun 08, 2026

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3906 PACKARD AVE, SAINT CLOUD, FL 34772-7371
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	ATTORNEY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051371678
Date	Apr 25, 2017
Book Page	5137/1678
Instrument	2017061308

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,641.00 (+5.29%) Homeowner's exemption	$252,268 (+5.99%)	$560,500 (+8.1%) Land $155,100 Building $405,400
2024	$3,458.00 (+2.19%)
2023	$3,384.00 (+4.28%) Homeowner's exemption	$238,019 (+3%)	$518,500 (+14.84%) Land $120,500 Building $398,000
2022	$3,245.00 Homeowner's exemption	$231,087	$451,500 Land $107,400 Building $344,100

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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.