Osceola County property record for 4270 Packard Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,457 sqft · built 2020 |
| Lot Size | 2 acres (87,120 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $90,000 (Feb 2016) |
| Tax Bill | $4,676 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 99403 |
| Primary APN | 99403 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,457 sqft Heated Area |
| Gross Area | 3,930 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 87,120 sqft (2 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 99403 |
|---|---|
| Street Address | 4270 PACKARD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8074 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OA2M |
| Legal Description | E M ESTATES PB 6 PG 116 LOT 5 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | E M ESTATES |
| Legal Tract | 3049 |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 43205 |
4270 Packard Ave is owned and occupied by two individuals who bought it in February 2016.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4270 PACKARD AVE, SAINT CLOUD, FL 34772-8074 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 26, 2016 · Amount on File |
| Deed Sale | Feb 26, 2016 · Amount on File |
| Prior Sale | Aug 3, 2015 · Amount on File |
| Deed Document Number | 0049192266 |
| Deed Book / Page | 4919 / 2266 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 4270 Packard Ave was $4,676 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,676.00 Homeowner's exemption | $326,923 | $654,000 Land $130,000 Building $524,000 |
| 2023 | $4,368.00 (+4%) Homeowner's exemption | $308,457 (+3%) | $514,100 (+15.01%) Land $70,000 Building $444,100 |
| 2022 | $4,200.00 Homeowner's exemption | $299,473 | $447,000 Land $70,000 Building $377,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4270 Packard Ave in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 68 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 68 in force |
| Nearby Flood Claims | 9 (1997–2020) |
| Claims Outside the SFHA | 5 of 9 |
| Most Recent Claim | Jun 2020 · other causes |
| Claims by Event |
|
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 risk around 4270 Packard Ave is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 67% of the US · above 45% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| AT&T Fixed Wireless | 100 / 20 |
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