Osceola County property record for 4040 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 2 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1983 |
| Square Footage | 1,456 sqft Living Area |
| Lot Size | 105,633 sqft (2.42 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $85,000 (2008) |
| Tax Bill | $1,631.00 (2024) |
| Primary APN | 06-27-31-4950-0001-0105 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,456 sqft Living Area |
| 1st Floor | 1,456 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Vinyl/Resilient Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1983 |
|---|---|
| Effective Year Built | Effective 1983 |
| Architectural Style | Custom Design Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 105,633 sqft (2.42 acres) |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4040 PACKARD AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7354 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB PG 32 S 1/2 OF LOT 10 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 105 |
| Legal Lot Number | 10 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43205 |
Source: Osceola County records · APN 06-27-31-4950-0001-0105
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 10, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage LOANDEPOT.COM LLC |
| Apr 06, 2021 | Deed of Trust, Mortgage · Veterans Administration Mortgage LOANDEPOT.COM LLC |
| Jul 16, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage LOANDEPOT.COM LLC |
| Jan 24, 2017 | Deed of Trust, Mortgage · Veterans Administration Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 09, 2008 · Amount on Record |
| Deed Sale | Dec 09, 2008 · Amount on Record |
| Prior Sale | Sep 15, 2006 · Amount on Record |
| Deed Doc Number | 2008198033 |
| Deed Book / Page | 3773 / 836 |
| Prior Transfer Date | Sep 14, 2006 |
| Prior Transfer Doc | 0032772327 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Document Number | 0061471886 |
|---|---|
| Date | Feb 10, 2022 |
| Book Page | 6147/1886 |
| Instrument | 2022022376 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Document Number | 0059290454 |
|---|---|
| Date | Apr 06, 2021 |
| Book Page | 5929/454 |
| Instrument | 2021051291 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 01, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Document Number | 0068202955 |
|---|---|
| Date | Jul 16, 2025 |
| Book Page | 6820/2955 |
| Instrument | 2025089144 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | IRVINE, CA 92618 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 01, 2035 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4040 PACKARD AVE, SAINT CLOUD, FL 34772-7354 |
| Document Number | 0050942847 |
| Book / Page | 005094 / 002847 |
| Instrument Date | Jan 24, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2017 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4040 PACKARD AVE ST CLOUD FL 347727354, ST CLOUD, FL 34772-7354 |
| Document Number | 0050942847 |
|---|---|
| Date | Feb 01, 2017 |
| Book Page | 005094/002847 |
| Instrument | 17209 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 31, 2032 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $1,754.00 (+7.54%) Homeowner's exemption | $116,053 (+5.99%) | $313,300 (+15.06%) Land $157,600 Building $155,700 |
| 2024 | $1,631.00 (+2.58%) | ||
| 2023 | $1,590.00 (+5.93%) Homeowner's exemption | $109,499 (+3%) | $272,300 (+15.19%) Land $122,500 Building $149,800 |
| 2022 | $1,501.00 Homeowner's exemption | $106,310 | $236,400 Land $109,100 Building $127,300 |
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
| 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 Risk | Moderate above 53% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 592 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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