Osceola County property record for 4055 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1999 |
| Square Footage | 2,341 sqft Heated Area |
| Lot Size | 43,821 sqft (1 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2020) |
| Tax Bill | $4,901.00 (2025) |
| Primary APN | 99446 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,341 sqft Heated Area |
| Gross Area | 3,654 sqft Gross Area |
| 1st Floor | 1,117 sqft 1st Floor |
| Upper Floors | 1,224 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Unfinished Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Aluminum Siding Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,821 sqft (1 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Unfinished Garage |
| Garage Area | 1,008 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 80 sqft Shed |
| Porch | Finished/Screened Porch |
| Porch Area | 305 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99446 |
|---|---|
| Street Address | 4055 PACKARD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7356 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 32 COM 20 FT N AND 7.5 FT E OF SW COR LOT 22, E 288 FT, N 145 FT, W 288 FT, S 145 FT TO POB |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 22 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1010 |
| Census Tract | 43205 |
Source: Osceola County records · APN 99446
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 |
|---|---|
| Mailing Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jan 30, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Aug 02, 2022 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Nov 20, 2025 | Deed of Trust, Mortgage MIDFIRST BANK |
| Aug 12, 2020 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FBC MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 12, 2020 · Amount on Record |
| Deed Sale | Aug 12, 2020 · Amount on Record |
| Deed Doc Number | 2020105970 |
| Deed Book / Page | 5772 / 2527 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0063501868 |
|---|---|
| Date | Jan 30, 2023 |
| Book Page | 6350/1868 |
| Instrument | 2023011266 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0062621334 |
|---|---|
| Date | Aug 02, 2022 |
| Book Page | 6262/1334 |
| Instrument | 2022118655 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0068830952 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 6883/952 |
| Instrument | 2025143401 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Amount | Amount Recorded |
|---|---|
| Term | 298 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 12, 2020 |
| Property Address | 4055 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0057722527 |
| Book / Page | 5772 / 2527 |
| Map Reference | MB B PG 32 |
| Instrument Date | Aug 10, 2020 |
| Instrument | 2020105970 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4055 PACKARD AVE, 4055, SAINT CLOUD, FL 34772-7356 |
| Name | Verified Name |
|---|
| Document Number | 0057722529 |
|---|---|
| Date | Aug 12, 2020 |
| Instrument | 5772/2529 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $4,901.00 (+13.42%) | $308,400 (+5.29%) Land $60,000 Building $248,400 | $308,400 (+5.29%) Land $60,000 Building $248,400 |
| 2023 | $4,321.00 (+11.02%) | $292,900 (+13.88%) Land $50,000 Building $242,900 | $292,900 (+13.88%) Land $50,000 Building $242,900 |
| 2022 | $3,892.00 | $257,200 Land $50,000 Building $207,200 | $257,200 Land $50,000 Building $207,200 |
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 |
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 307 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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