1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Henry J Ave

4245 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4245 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,181 sqft · built 2007
Lot Size2.39 acres (104,282 sqft)
OwnerIndividual Name on Record
Last Sale$330,000 (Jan 2018)
Tax Bill$3,882 (2025)
Deeds & MortgagesOct 2021 Mortgage
Jan 2018 Sale
+ 1 more
Flood ZoneZone A (high risk)
APN01-27-30-4950-0001-0775

Property Details

APN / Parcel Number

Primary APN01-27-30-4950-0001-0775
Alternative APNs
  • 273001495000010775
  • 89158

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,181 sqft Living Area
Gross Area2,547 sqft
1st Floor Area1,290 sqft
Upper Floors Area891 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2012
Architectural StyleConventional
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area104,282 sqft (2.39 acres)
Garage TypeAttached
Garage Area252 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchFinished/Open Porch
Porch Area114 sqft
Shed1 Shed
Shed Area176 sqft
Pole Barn432 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address4245 HENRY J AVE
CitySAINT CLOUD
StateFL
Zip34772-8562
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOA2M
Legal DescriptionS L & I C PB B PG 21 S 1/2 OF LOT 77
Legal Range30E
Legal Township27S
Legal Section01
Legal SubdivisionS L & I C
Legal Tract4950
Legal Block775
Legal Lot Number77
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43205

Owner

Source: Osceola County records, as of October 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address4245 HENRY J AVE, SAINT CLOUD, FL 34772-8562
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 7, 2021Quit Claim Deed, Transfer · Conventional Mortgage
UNION HOME MORTGAGE CORP
Jan 4, 2018Grant Deed, Transfer
LA ROSA TITLE LLC
Nov 14, 2017Warranty Deed, Transfer · Conventional Mortgage
THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJan 4, 2018 · Amount on Record
Deed SaleJan 4, 2018 · Amount on Record
Prior SaleNov 14, 2017 · Amount on Record
Deed Document Number20182547
Deed Book / Page5264 / 1292
Last Transfer DateSep 28, 2021
Transfer Doc0060610105
Record UpdatedOct 29, 2026

October 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 7, 2021
Property Address4245 HENRY J AVE, SAINT CLOUD, FL 34772-8562
Document Number0060610105
Book / Page6061 / 105
Map ReferenceMB B PG 31
Instrument DateSep 28, 2021
Instrument2021156454
Transaction TypeTransfer
Record UpdatedOct 25, 2021
Title CompanyCELEBRATION TITLE GROUP

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address99 DELAWARE AVE, 99, DUMONT, NJ 07628-2519

Transferred To (Grantee/Buyer)

NameVerified Name
Address4245 HENRY J AVE, SAINT CLOUD, FL 34772-8562

Mortgage

Document Number6061107
DateOct 7, 2021
Instrument6061/107
Lender
NameUNION HOME MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueOct 1, 2051

January 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJan 4, 2018
Property Address4245 HENRY J AVE, SAINT CLOUD, FL 34772-8562
Document Number0052641292
Book / Page005264 / 001292
Instrument DateNov 9, 2017
Instrument2547
Transaction TypeTransfer
Record UpdatedFeb 6, 2018
Title CompanyLA ROSA TITLE LLC

Transaction

AmountAmount Recorded
Tax$2,310.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address99 DELAWARE AVE DUMONT NJ 076282519, DUMONT, NJ 07628-2519

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 14, 2017
Property Address4245 HENRY J AVE, SAINT CLOUD, FL 34772-8562
Document Number0052382339
Book / Page5238 / 2339
Map ReferenceMB B PG31
Instrument DateNov 9, 2017
Instrument2017162275
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyLA ROSA TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4245 HENRY J AVE, 4245, SAINT CLOUD, FL 34772-8562

Transferred To (Grantee/Buyer)

NameVerified Name
Address99 DELAWARE AVE, DUMONT, NJ 07628-2519

Mortgage

Document Number0052382341
DateNov 14, 2017
Instrument5238/2341
Lender
NameTHE FEDERAL SAVINGS BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,882.00 (+5.15%) Homeowner's exemption$269,663 (+5.99%)$463,200 (+9.63%) Land $155,400 Building $307,800
2024$3,692.00 (+2.16%)
2023$3,614.00 (+4.24%) Homeowner's exemption$254,432 (+3%)$422,500 (+15.98%) Land $120,700 Building $301,800
2022$3,467.00 Homeowner's exemption$247,022$364,300 Land $107,600 Building $256,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 68 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies68 in force
Nearby Flood Claims9 (1997–2020)
Claims Outside the SFHA5 of 9
Most Recent ClaimJun 2020 · other causes
Claims by Event
  • Hurricane Irma, Sep 2017 · 2 claims
  • Hurricane Frances, Sep 2004 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		1,200 / 35
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30
AT&T
Fixed Wireless		100 / 20

Nearby Properties on Henry J Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures