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4140 Packard Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4140 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2015
Square Footage1,670 sqft Living Area
Lot Size101,059 sqft (2.32 acres)
OccupancyOwner Occupied
Last Sale$655,000 (2025)
Tax Bill$3,883.00 (2024)

Property Details

APN / Parcel Number

Primary APN06-27-31-4950-0001-0420
Alternative APNs
  • 273106495000010420
  • 99470

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,670 sqft Living Area
Gross Area2,372 sqft Gross Area
1st Floor1,670 sqft 1st Floor
Stories1 Stories
Primary FlooringWood Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2002
Effective Year BuiltEffective 2015
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area101,059 sqft (2.32 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area420 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area261 sqft Pool
Deck Area379 sqft Deck
Porch Area282 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address4140 PACKARD AVE
CitySAINT CLOUD
StateFL
Zip34772-7314
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 32 N 157 FT OF LOT 42
Legal Range31E
Legal Township27S
Legal Section06
Legal SubdivisionS L & I C
Legal Tract4950
Legal Block420
Legal Lot Number42
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1009
Census Tract43205

Owner

Source: Osceola County records · APN 06-27-31-4950-0001-0420

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 Record2 Individual Names on File
Mailing Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 18, 2023Deed of Trust, Mortgage · Line of Credit
PNC BANK NA
Mar 04, 2022Deed of Trust, Mortgage · Conventional Mortgage
ATLANTIC BAY MORTGAGE GROUP LLC
Feb 12, 2025Warranty Deed, Transfer
ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Dec 10, 2024Warranty Deed, Transfer
ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Aug 04, 2020Quit Claim Deed, Transfer
NOT AVAILABLE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 12, 2025 · Amount on Record
Deed SaleFeb 12, 2025 · Amount on Record
Prior SaleDec 10, 2024 · Amount on Record
Deed Doc Number202519090
Deed Book / Page6740 / 304
Prior Transfer DateMar 03, 2020
Prior Transfer Doc0057681153
Record RefreshedJun 08, 2026

January 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314

Mortgage

Document Number0063451754
DateJan 18, 2023
Book Page6345/1754
Instrument2023006407
Lender
NamePNC BANK NA
TypeBank
AddressWILMINGTON, DE 19801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term480 Months
DueJan 23, 2063
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314

Mortgage

Document Number0061640546
DateMar 04, 2022
Book Page6164/546
Instrument2022035235
Lender
NameATLANTIC BAY MORTGAGE GROUP LLC
TypeMortgage Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

February 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2025
Property Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314
Document Number0067400304
Book / Page6740 / 304
Map ReferenceMB B PG 32
Instrument DateFeb 12, 2025
Instrument2025019090
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Tax$4,585.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515

Transferred To (Grantee/Buyer)

NameVerified Name
Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314

December 2024: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 10, 2024
Property Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314
Document Number0067072322
Book / Page6707 / 2322
Map ReferenceMB B PG 32
Instrument DateDec 04, 2024
Instrument2024154925
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
Tax$4,543.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314

Transferred To (Grantee/Buyer)

NameVerified Name
Address3936 CHAPLAIN RD, SAINT CLOUD, FL 34772-9515

August 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateAug 04, 2020
Property Address4140 PACKARD AVE, SAINT CLOUD, FL 34772-7314
Document Number0057681153
Book / Page005768 / 001153
Instrument DateJul 08, 2020
Instrument102276
Transaction TypeTransfer
Record UpdatedSep 03, 2020
Title CompanyNOT AVAILABLE

Transaction

AmountAmount Recorded
Tax$5.00
Amount AccuracyConfirmed
Additional
  • Quitclaim Document

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4140 PACKARD AVE ST CLOUD FL 347727314, ST CLOUD, FL 34772-7314

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,610.00 (+70.23%)$425,700 (+58.91%) Land $150,800 Building $274,900$425,700 (+7.09%) Land $150,800 Building $274,900
2024$3,883.00 (+2.13%)
2023$3,802.00 (+4.16%) Homeowner's exemption$267,892 (+3%)$397,500 (+9.56%) Land $155,600 Building $241,900
2022$3,650.00 Homeowner's exemption$260,090$362,800 Land $155,600 Building $207,200

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskModerate
above 68% of the US · above 47% of Florida
Wildfire LikelihoodAbout 1 in 309 per year
ExposureDirect
burnable vegetation at the parcel

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

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