4275 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4275 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,754 sqft · built 1984
Lot Size	2.36 acres (103,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$145,000 (Jul 2017)
Tax Bill	$3,385 (2025)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-27-30-4950-0001-0935`

Property Details

APN / Parcel Number

Primary APN	`01-27-30-4950-0001-0935`
Alternative APNs	`273001495000010935` `89175`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,754 sqft Living Area
Gross Area	3,653 sqft
1st Floor Area	1,120 sqft
Upper Floors Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	103,019 sqft (2.36 acres)
Garage Type	Attached
Garage Area	819 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Florida Room
Porch Area	514 sqft
Deck Area	928 sqft
Utility Building	480 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4275 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-8562
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAR2
Legal Description	S L & I C PB B PG 21 BEG AT NW COR LOT 93, S 280 FT, E 373.37 FT, N 280 FT, W 373.37 FT TO POB LESS W 12.5 FT RD R/W
Legal Range	30E
Legal Township	27S
Legal Section	01
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	935
Legal Lot Number	93
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43205

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	4275 HENRY J AVE, SAINT CLOUD, FL 34772-8562
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2017 · Amount on Record
Deed Sale	Jul 26, 2017 · Amount on Record
Prior Sale	Jul 19, 2013 · Amount on Record
Deed Document Number	2017108392
Deed Book / Page	5184 / 2498
Prior Transfer Date	Jul 17, 2017
Prior Transfer Doc	0051842498
Record Updated	Jun 8, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 26, 2017
Property Address	4275 HENRY J AVE, SAINT CLOUD, FL 34772-8562
Document Number	0051842498
Book / Page	005184 / 002498
Instrument Date	Jul 17, 2017
Instrument	108392
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	EQUITABLE TITLE/DR PHILLIPS LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,015.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4275 HENRY J AVE ST CLOUD FL 347728562, ST CLOUD, FL 34772-8562

Mortgage

Document Number	51842502
Date	Jul 26, 2017
Book Page	005184/002502
Instrument	108395

Lender

Name	FIRSTBANK
Type	Bank
Address	FRANKLIN, TN 37067

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 25, 2032

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,385.00 (+5.45%) Homeowner's exemption	$233,783 (+5.99%)	$446,500 (+11.49%) Land $153,700 Building $292,800
2024	$3,210.00 (+2.2%)
2023	$3,141.00 (+4.42%) Homeowner's exemption	$220,578 (+3%)	$400,500 (+14.89%) Land $119,400 Building $281,100
2022	$3,008.00 Homeowner's exemption	$214,154	$348,600 Land $106,400 Building $242,200

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	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 Risk	Moderate above 69% of the US · above 49% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

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

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