Osceola County property record for 4325 Packard Ave, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1978 |
| Square Footage | 1,759 sqft Heated Area |
| Lot Size | 106,461 sqft (2.44 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $235,000 (2016) |
| Tax Bill | $3,061.00 (2025) |
| Primary APN | 99521 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,759 sqft Heated Area |
| Gross Area | 2,657 sqft Gross Area |
| 1st Floor | 1,759 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 106,461 sqft (2.44 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Detached - Unfinished Garage |
| Garage Area | 768 sqft Garage |
| Porch | 1 Porch |
| Stable | 490 sqft Stable |
| Porch Area | 130 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 99521 |
|---|---|
| Street Address | 4325 PACKARD AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8026 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 32 S 1/2 OF LOT 102 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 102 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1012 |
| Census Tract | 43205 |
Source: Osceola County records · APN 99521
Assessment roll updated July 1, 2025 · Last verified December 2025
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4325 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 04, 2018 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Oct 04, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 15, 2016 · Amount on Record |
| Deed Sale | Apr 15, 2016 · Amount on Record |
| Prior Sale | Mar 18, 2015 · Amount on Record |
| Deed Doc Number | 2016056403 |
| Deed Book / Page | 4944 / 1970 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4325 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Document Number | 0054320847 |
| Instrument Date | Oct 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 03, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4325 PACKARD AVE ST CLOUD FL 347728026, ST CLOUD, FL 34772-8026 |
| Document Number | 0054320847 |
|---|---|
| Date | Nov 13, 2018 |
| Book Page | 005432/000847 |
| Instrument | 167428 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2048 |
| Rate | 4.75% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4325 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Document Number | 0054300914 |
| Instrument Date | Oct 04, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 4325 PACKARD AVE ST CLOUD FL 347728026, ST CLOUD, FL 34772-8026 |
| Document Number | 0054300914 |
|---|---|
| Date | Nov 07, 2018 |
| Book Page | 005430/000914 |
| Instrument | 165518 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 06, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,061.00 (+8.05%) Homeowner's exemption | $210,411 (+5.99%) | $376,800 (+13.12%) Land $158,900 Building $217,900 |
| 2023 | $2,833.00 (+4.58%) Homeowner's exemption | $198,527 (+3%) | $333,100 (+15.82%) Land $123,400 Building $209,700 |
| 2022 | $2,709.00 Homeowner's exemption | $192,745 | $287,600 Land $110,000 Building $177,600 |
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 | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 233 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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