Osceola County property record for 4170 Packard Ave, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1993 |
| Square Footage | 2,154 sqft Living Area |
| Lot Size | 100,449 sqft (2.3 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $685,000 (2023) |
| Tax Bill | $7,609.00 (2024) |
| Primary APN | 06-27-31-4950-0001-0580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 2,154 sqft Living Area |
| Gross Area | 4,011 sqft Gross Area |
| 1st Floor | 1,954 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1993 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 100,449 sqft (2.3 acres) |
| Parking Spaces | 7 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 480 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 297 sqft Pool |
| Shed | 1 Shed |
| Shed Area | 160 sqft Shed |
| Deck Area | 1,287 sqft Deck |
| Patio Area | 405 sqft Patio |
| Porch Area | 966 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4170 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 E 1/2 LOT 58 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | S L & I C |
| Legal Block | 580 |
| Legal Lot Number | 58 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1009 |
| Census Tract | 43205 |
Source: Osceola County records · APN 06-27-31-4950-0001-0580
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 | Individual Name on File |
|---|---|
| Mailing Address | 4170 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Married Woman as her Sole and Separate Property |
| Date | Document |
|---|---|
| Aug 15, 2023 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Jul 13, 2017 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 15, 2023 · Amount on Record |
| Deed Sale | Aug 15, 2023 · Amount on Record |
| Prior Sale | Jul 13, 2017 · Amount on Record |
| Deed Doc Number | 2023106083 |
| Deed Book / Page | 6457 / 1668 |
| Prior Transfer Date | Mar 06, 2009 |
| Prior Transfer Doc | 0038100949 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 15, 2023 |
| Property Address | 4170 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Document Number | 0064571668 |
| Book / Page | 6457 / 1668 |
| Map Reference | MB B PG 32 |
| Instrument Date | Aug 14, 2023 |
| Instrument | 2023106083 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST INTERNATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,795.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1690 MCMICHAEL RD, SAINT CLOUD, FL 34771-7828 |
| Name | Verified Name |
|---|---|
| Address | 4170 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Document Number | 0064571670 |
|---|---|
| Date | Aug 15, 2023 |
| Instrument | 6457/1670 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 13, 2017 |
| Property Address | 4170 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Document Number | 0051790202 |
| Book / Page | 5179 / 0202 |
| Map Reference | MB B PG32 |
| Instrument Date | Jul 12, 2017 |
| Instrument | 2017102361 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | ABSOLUTE TITLE OF CENTRAL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,261.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 344 NE CONEFLOWER TRL, 344, MADISON, FL 32340-5744 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 4170 PACKARD AVE, SAINT CLOUD, FL 34772-7314 |
| Document Number | 0051790204 |
|---|---|
| Date | Jul 13, 2017 |
| Instrument | 5179/0204 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2047 |
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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,695.00 (+1.13%) | $504,000 (+60.46%) Land $149,900 Building $354,100 | $504,000 (+8.41%) Land $149,900 Building $354,100 |
| 2024 | $7,609.00 (+71.1%) | ||
| 2023 | $4,447.00 (+3.97%) Homeowner's exemption | $314,090 (+3%) | $464,900 (+14.68%) Land $116,500 Building $348,400 |
| 2022 | $4,277.00 Homeowner's exemption | $304,942 | $405,400 Land $103,800 Building $301,600 |
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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