3920 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3920 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2006
Square Footage	2,365 sqft Heated Area
Lot Size	105,807 sqft (2.42 acres)
Occupancy	Owner Occupied
Last Sale	$480,000 (2020)
Tax Bill	$5,429.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`125569`
Alternative APN	`312631495000011065`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,365 sqft Heated Area
Gross Area	3,452 sqft Gross Area
1st Floor	2,365 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2006
Exterior Material	Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	105,807 sqft (2.42 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Mixed Garage
Garage Area	528 sqft Garage

Exterior Amenities

Pool Area	450 sqft Pool
Fence	Fence
Deck Area	852 sqft Deck
Porch	Finished/Screened Porch
Porch Area	559 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	125569
Street Address	3920 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 LOT 106 LESS N 165.95 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	106
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1002
Census Tract	43205

Owner

Source: Osceola County records · APN 125569

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	3920 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	2 Verified Names on Deed
Last Sale	Nov 09, 2020 · Amount on Record
Deed Sale	Nov 09, 2020 · Amount on Record
Deed Doc Number	0058292108
Deed Book / Page	5829 / 2108
Record Refreshed	Jun 08, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 09, 2020
Property Address	3920 PACKARD AVE, SAINT CLOUD, FL 34772-7371
Document Number	0058292108
Book / Page	5829 / 2108
Map Reference	MB B PG 27
Instrument Date	Nov 09, 2020
Instrument	2020153209
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3920 PACKARD AVE, 3920, SAINT CLOUD, FL 34772-7371

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3920 PACKARD AVE, SAINT CLOUD, FL 34772-7371

Mortgage

Document Number	0058292110
Date	Nov 09, 2020
Instrument	5829/2110

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2050

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,429.00 (+6.79%) Homeowner's exemption	$381,288 (+5.99%)	$546,500 (+8.2%) Land $157,900 Building $388,600
2023	$5,084.00 (+3.84%) Homeowner's exemption	$359,751 (+3%)	$505,100 (+14.93%) Land $122,700 Building $382,400
2022	$4,896.00 Homeowner's exemption	$349,273	$439,500 Land $109,300 Building $330,200

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.