Osceola County property record for 4355 Packard Ave, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 1995 |
| Square Footage | 2,112 sqft Living Area |
| Lot Size | 106,242 sqft (2.43 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2016) |
| Tax Bill | $4,755.00 (2025) |
| Primary APN | 06-27-31-4950-0001-1180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 2,776 sqft Gross Area |
| 1st Floor | 1,776 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 106,242 sqft (2.43 acres) |
| Total Buildings | 2 Total Buildings |
|---|---|
| Deck Area | 140 sqft Deck |
| Patio Area | 384 sqft Patio |
| Porch Area | 1,000 sqft Porch |
| Boat Access | Boat Access |
| Pole Structure | 288 sqft Pole Structure |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4355 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 118 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 1180 |
| Legal Lot Number | 118 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1012 |
| Census Tract | 43205 |
Source: Osceola County records · APN 06-27-31-4950-0001-1180
Assessment roll updated November 26, 2025 · Last verified July 2026
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 File |
|---|---|
| Mailing Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 09, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Feb 27, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Aug 12, 2025 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Sep 13, 2024 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage MIDFIRST BANK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 14, 2016 · Amount on Record |
| Deed Sale | Jun 14, 2016 · Amount on Record |
| Prior Sale | Jun 21, 2010 · Amount on Record |
| Deed Doc Number | 201690067 |
| Deed Book / Page | 4975 / 2946 |
| Prior Transfer Date | Mar 13, 2013 |
| Prior Transfer Doc | 0000046642 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Document Number | 0064862411 |
|---|---|
| Date | Oct 09, 2023 |
| Book Page | 6486/2411 |
| Instrument | 2023132699 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73115 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Document Number | 0067460067 |
|---|---|
| Date | Feb 27, 2025 |
| Book Page | 6746/67 |
| Instrument | 2025024817 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 316 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Document Number | 0068330587 |
|---|---|
| Date | Aug 12, 2025 |
| Book Page | 6833/587 |
| Instrument | 2025099875 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 310 Months |
| Due | Jun 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4355 PACKARD AVE, SAINT CLOUD, FL 34772-8026 |
| Document Number | 0066642820 |
|---|---|
| Date | Sep 13, 2024 |
| Book Page | 6664/2820 |
| Instrument | 2024118585 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 321 Months |
| Due | Jun 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $4,755.00 (+8.39%) Homeowner's exemption | $281,212 (+5.99%) | $478,200 (+9.7%) Land $158,500 Building $319,700 |
| 2023 | $4,387.00 (+4.68%) Homeowner's exemption | $265,328 (+3%) | $435,900 (+15.78%) Land $123,200 Building $312,700 |
| 2022 | $4,191.00 Homeowner's exemption | $257,600 | $376,500 Land $109,800 Building $266,700 |
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 53% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 253 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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