4450 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4450 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,992 sqft · built 2002
Lot Size	1.01 acres (44,344 sqft)
Owner	2 Individual Names on File
Last Sale	$355,000 (Oct 2018)
Tax Bill	$3,042 (2025)
Deeds & Mortgages	Aug 2022 Line of Credit Apr 2021 Mortgage + 2 more
Flood Zone	Zone A (high risk)
APN	`12-27-30-4950-0001-0210`

Property Details

APN / Parcel Number

Primary APN	`12-27-30-4950-0001-0210`
Alternative APNs	`273012495000010210` `89382`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,992 sqft Living Area
Gross Area	4,893 sqft
1st Floor Area	1,812 sqft
Upper Floors Area	180 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	44,344 sqft (1.01 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	9 Parking Spaces
Porch	Finished/Open Porch
Porch Area	417 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4450 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-7480
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	S L & I C PB B PG 37 A PORTION OF LOTS 12 & 21: BEG 30 FT W & 602.79 FT S OF N 1/4 COR, W 260 FT, S 170.28 FT, E 260 FT, N 170.28 FT TO POB AKA TRACT I
Legal Range	30E
Legal Township	27S
Legal Section	12
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	210
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43205

Owner

4450 Henry J Ave is owned and occupied by two individuals who bought it in October 2018.

Source: Osceola County records, as of January 12, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2022	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Apr 21, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Oct 17, 2024	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Oct 4, 2018	Warranty Deed, Transfer · Conventional with PMI MORTGAGE FIRM

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on File
Deed Sale	Oct 4, 2018 · Amount on File
Prior Sale	Aug 26, 2013 · Amount on File
Deed Document Number	2018149586
Deed Book / Page	5412 / 1921
Prior Transfer Date	Nov 20, 2004
Prior Transfer Doc	0026430407
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480

Mortgage

Document Number	0062750107
Date	Aug 25, 2022
Book Page	6275/107
Instrument	2022130383

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	420 Months
Due	Aug 24, 2057

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480

Mortgage

Document Number	0059402932
Date	Apr 21, 2021
Book Page	5940/2932
Instrument	2021060726

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480

Mortgage

Document Number	0066801949
Date	Oct 17, 2024
Book Page	6680/1949
Instrument	2024132252

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2054

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2018
Property Address	4450 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0054121921
Book / Page	005412 / 001921
Instrument Date	Sep 28, 2018
Instrument	149586
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,485.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4450 HENRY J AVE ST CLOUD FL 347727480, ST CLOUD, FL 34772-7480

Mortgage

Document Number	54121923
Date	Oct 4, 2018
Book Page	005412/001923
Instrument	149587

Lender

Name	MORTGAGE FIRM
Type	Mortgage Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 3, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4450 Henry J Ave was $3,042 with a homeowner's exemption, up 5.7% 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	$3,042.00 (+5.7%) Homeowner's exemption	$209,046	$473,500 Land $60,000 Building $413,500
2024	$2,878.00 (+2.24%)
2023	$2,815.00 (+4.61%) Homeowner's exemption	$197,238 (+3%)	$455,700 (+15.66%) Land $50,000 Building $405,700
2022	$2,691.00 Homeowner's exemption	$191,494	$394,000 Land $50,000 Building $344,000

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

Flood

FEMA maps place 4450 Henry J Ave in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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 4450 Henry J Ave is high, ranking above 75% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 75% of the US · above 62% of Florida
Wildfire Likelihood	0.5% 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 30 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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