Osceola County property record for 4075 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1983 |
| Square Footage | 2,346 sqft Heated Area |
| Lot Size | 210,830 sqft (4.84 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $630,000 (2025) |
| Tax Bill | $8,324.00 (2025) |
| Primary APN | 99454 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,346 sqft Heated Area |
| Gross Area | 4,814 sqft Gross Area |
| 1st Floor | 1,096 sqft 1st Floor |
| Upper Floors | 920 sqft Upper Floors |
| Attic Area | 330 sqft Attic |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1983 |
|---|---|
| Exterior Material | Logs Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 210,830 sqft (4.84 acres) |
| Parking Spaces | 6 Parking Spaces |
| Garage Type | Detached - Finished Garage |
| Garage Area | 1,764 sqft Garage |
| Pool Area | 648 sqft Pool |
|---|---|
| Deck Area | 704 sqft Deck |
| Porch | Finished/Screened Porch |
| Porch Area | 704 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99454 |
|---|---|
| Street Address | 4075 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 LOT 27 LESS W 12.5 FT |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 27 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1010 |
| Census Tract | 43205 |
Source: Osceola County records · APN 99454
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 | 4075 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 14, 2025 | Warranty Deed, Transfer · Conventional Mortgage NEXA MORTGAGE LLC |
| Nov 29, 2022 | Warranty Deed, Transfer · Conventional Mortgage TRUSTCO BANK |
| Mar 09, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 14, 2025 · Amount on Record |
| Deed Sale | Nov 14, 2025 · Amount on Record |
| Prior Sale | Nov 29, 2022 · Amount on Record |
| Deed Doc Number | 2025141127 |
| Deed Book / Page | 6880 / 2340 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 14, 2025 |
| Property Address | 4075 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0068802340 |
| Book / Page | 6880 / 2340 |
| Map Reference | MB B PG 32 |
| Instrument Date | Nov 10, 2025 |
| Instrument | 2025141127 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | SMART INT'L TITLE LLC, SMART INTL TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,410.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1880 LORRAINE WAY, SAINT CLOUD, FL 34769-5555 |
| Name | Verified Name |
|---|---|
| Address | 4075 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0068802342 |
|---|---|
| Date | Nov 14, 2025 |
| Instrument | 6880/2342 |
| Name | NEXA MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 29, 2022 |
| Property Address | 4075 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0063212523 |
| Book / Page | 6321 / 2523 |
| Map Reference | MB B PG 32 |
| Instrument Date | Nov 18, 2022 |
| Instrument | 2022171758 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | UNKNOWN, A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 406 B ST SW, TUMWATER, WA 98512-6531 |
| Name | Verified Name |
|---|---|
| Address | 4075 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0063212524 |
|---|---|
| Date | Nov 29, 2022 |
| Instrument | 6321/2524 |
| Name | TRUSTCO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 29, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4075 PACKARD AVE, SAINT CLOUD, FL 34772-7356 |
| Document Number | 0053012621 |
| Instrument Date | Mar 09, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 4075 PACKARD AVE ST CLOUD FL 347727356, ST CLOUD, FL 34772-7356 |
| Document Number | 0053012621 |
|---|---|
| Date | Mar 15, 2018 |
| Book Page | 005301/002621 |
| Instrument | 42825 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 14, 2048 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,324.00 (+15.27%) | $549,400 (+16.25%) Land $217,800 Building $331,600 | $549,400 (+16.25%) Land $217,800 Building $331,600 |
| 2023 | $7,221.00 (+146.28%) | $472,600 (+114.13%) Land $154,900 Building $317,700 | $472,600 (+10.78%) Land $154,900 Building $317,700 |
| 2022 | $2,932.00 Homeowner's exemption Senior Citizen's exemption | $220,709 | $426,600 Land $154,900 Building $271,700 |
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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