4460 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4460 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,295 sqft · built 1985
Lot Size	1.03 acres (45,128 sqft)
Owner	2 Trust Names on Record
Last Sale	$58,500 (Jul 2018)
Tax Bill	$2,830 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-27-30-4950-0001-0213`

Property Details

APN / Parcel Number

Primary APN	`12-27-30-4950-0001-0213`
Alternative APNs	`273012495000010213` `89385`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,295 sqft Living Area
1st Floor Area	2,295 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	45,128 sqft (1.03 acres)
Garage Area	720 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Screened Porch
Porch Area	190 sqft
Patio Area	1,020 sqft
Pole Barn	276 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4460 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 LOT 21: BEG 30 FT W & 773.07 FT S OF N 1/4 COR, W 250 FT, S 179.92 FT, E 250 FT, N 180 FT TO POB AKA TRACT L
Legal Range	30E
Legal Township	27S
Legal Section	12
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	213
Legal Lot Number	21
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43205

Owner

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

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

Owner of Record	2 Trust Names on Record
Mailing Address	4460 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Trust, Irrevocable Living Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Mar 28, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 16, 2020	Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU
Jul 13, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Prior Sale	Sep 11, 2015 · Amount on Record
Deed Document Number	2018107423
Deed Book / Page	5366 / 2185
Prior Transfer Date	Jul 1, 2018
Prior Transfer Doc	0053662185
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 24, 2026
Property Address	4460 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0000123385
Book / Page	7039 / 211
Instrument Date	Sep 18, 2026
Instrument	2026123385
Transaction Type	Mortgage
Record Updated	Oct 8, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4460 HENRY J AVE, SAINT CLOUD, FL 34772-7480

Mortgage

Document Number	0000123385,
Date	Sep 24, 2026
Book Page	7039/211
Instrument	2026123385

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4460 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0061810008
Date	Mar 28, 2022
Book Page	6181/8
Instrument	2022048949

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4460 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0057422021
Instrument Date	Jun 16, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4460 HENRY J AVE ST CLOUD FL 347727480, ST CLOUD, FL 34772-7480

Mortgage

Document Number	0057422021
Date	Jun 24, 2020
Book Page	005742/002021
Instrument	81030

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Jun 23, 2055

Interest

Rate Type	Adjustable Rate

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2018
Property Address	4460 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0053662185
Book / Page	005366 / 002185
Instrument Date	Jul 10, 2018
Instrument	107423
Transaction Type	Transfer
Record Updated	Jul 26, 2018

Transaction

Amount	Amount Recorded
Tax	$409.50
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	460 HENRY J AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

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	$2,830.00 (+5.87%) Homeowner's exemption	$193,720 (+5.99%)	$331,400 (+4.64%) Land $60,000 Building $271,400
2024	$2,673.00 (+2.3%)
2023	$2,613.00 (+4.73%) Homeowner's exemption	$182,778 (+3%)	$316,700 (+12.62%) Land $50,000 Building $266,700
2022	$2,495.00 Homeowner's exemption	$177,455	$281,200 Land $50,000 Building $231,200

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	High above 76% of the US · above 63% 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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