Osceola County property record for 4160 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 1981 |
| Square Footage | 2,751 sqft Heated Area |
| Lot Size | 211,179 sqft (4.84 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $225,000 (2016) |
| Tax Bill | $3,868.00 (2025) |
| Primary APN | 99479 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,751 sqft Heated Area |
| Gross Area | 3,789 sqft Gross Area |
| 1st Floor | 1,860 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1981 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 211,179 sqft (4.84 acres) |
| Garage Type | Mixed Garage |
| Garage Area | 1,200 sqft Garage |
| Pool Area | 512 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 448 sqft Deck |
| Porch | 1 Porch |
| Porch Area | 768 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99479 |
|---|---|
| Street Address | 4160 PACKARD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7314 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 32 COM AT NE COR OF LOT 55, S00-13-23E 295.08 FT, S89-55-33W 357.56 FT, N00-13-24W 295.09 FT, N89-55-39E |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 55 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43205 |
Source: Osceola County records · APN 99479
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 | 4160 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| May 13, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage NP INC |
| Oct 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Jun 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NP INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 02, 2016 · Amount on Record |
| Deed Sale | Mar 02, 2016 · Amount on Record |
| Prior Sale | Jul 20, 2004 · Amount on Record |
| Deed Doc Number | 2016030294 |
| Deed Book / Page | 4921 / 2601 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4160 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 4160 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Investor | Possibly a Property Investor |
| Document Number | 0059570151 |
|---|---|
| Date | May 13, 2021 |
| Book Page | 5957/151 |
| Instrument | 2021073463 |
| Name | NP INC |
|---|---|
| Type | Mortgage Company |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4160 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | TITLE SOURCE INC |
| Name | Verified Name |
|---|
| Document Number | 0054152494 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 5415/2494 |
| Instrument | 2018152668 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4160 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Document Number | 0057471042 |
| Instrument Date | Jun 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Address | 4160 PACKARD AVE ST CLOUD FL 347727314, ST CLOUD, FL 34772-7314 |
| Document Number | 0057471042 |
|---|---|
| Date | Jul 01, 2020 |
| Book Page | 005747/001042 |
| Instrument | 84926 |
| Name | NP INC |
|---|---|
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 30, 2035 |
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 | $3,868.00 (+41.68%) Homeowner's exemption | $268,610 (+40.54%) | $446,700 (+30.39%) Land $157,300 Building $289,400 |
| 2023 | $2,730.00 (+4.68%) Homeowner's exemption | $191,124 (+3%) | $342,600 (+11.23%) Land $122,200 Building $220,400 |
| 2022 | $2,608.00 Homeowner's exemption | $185,558 | $308,000 Land $108,900 Building $199,100 |
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 41% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 333 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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