4325 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4325 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 920 sqft · built 1991
Lot Size	4.95 acres (215,622 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Apr 2023)
Tax Bill	$4,975 (2025)
Deeds & Mortgages	Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-27-30-4950-0001-1000`

Property Details

APN / Parcel Number

Primary APN	`01-27-30-4950-0001-1000`
Alternative APNs	`273001495000011000` `89178`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Custom Design
Exterior Material	Aluminum Siding
Construction Type	Frame
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	215,622 sqft (4.95 acres)

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	48 sqft
Shed	1 Shed
Shed Area	714 sqft
Utility Building	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4325 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-7479
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 21 LOT 100
Legal Range	30E
Legal Township	27S
Legal Section	01
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1000
Legal Lot Number	100
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43205

Owner

4325 Henry J Ave, a mobile home, is owned by an individual who bought it in April 2023.

Source: Osceola County records, as of April 8, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	10404 NW 78TH TER, DORAL, FL 33178-6056
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2023 · Amount on File
Deed Sale	Apr 18, 2023 · Amount on File
Deed Document Number	202345875
Deed Book / Page	6390 / 978
Prior Transfer Date	Sep 4, 2013
Prior Transfer Doc	0044970767
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2023
Property Address	4325 HENRY J AVE, SAINT CLOUD, FL 34772-7479
Document Number	0063900978
Book / Page	6390 / 978
Map Reference	MB B PG 21
Instrument Date	Mar 24, 2023
Instrument	2023045875
Transaction Type	Transfer
Record Updated	May 3, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	266 CENTER ST, BERNE, IN 46711-1531

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10404 NW 78TH TER, DORAL, FL 33178-6056

Mortgage

Document Number	0006390980
Date	Apr 18, 2023
Instrument	6390/980

Lender

Name	HOMETOWN LENDERS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 4325 Henry J Ave was $4,975, up 2% from the year before.

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	$4,975.00 (+1.99%)	$307,700 Land $211,600 Building $96,100	$307,700 Land $211,600 Building $96,100
2024	$4,878.00 (+29.94%)
2023	$3,754.00 (+12.36%)	$246,600 (+18.16%) Land $150,500 Building $96,100	$246,600 (+18.16%) Land $150,500 Building $96,100
2022	$3,341.00	$208,700 Land $150,500 Building $58,200	$208,700 Land $150,500 Building $58,200

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

Flood

FEMA maps place 4325 Henry J Ave in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 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	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

Wildfire risk around 4325 Henry J Ave is high, ranking above 73% of the US, with a 0.4% annual chance of wildfire.

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

Wildfire Risk	High above 73% of the US · above 58% 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