4470 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4470 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 4.5 ba · 3,206 sqft · built 2019
Lot Size	1 acres (43,647 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,005,000 (Mar 2026)
Tax Bill	$6,799 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Oct 2019 Loan Modification + 3 more
Flood Zone	Zone X (minimal risk)
APN	`12-27-30-4950-0001-0280`

Property Details

APN / Parcel Number

Primary APN	`12-27-30-4950-0001-0280`
Alternative APNs	`273012495000010280` `89389`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,206 sqft Living Area
Gross Area	4,813 sqft
1st Floor Area	2,544 sqft
Upper Floors Area	662 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,647 sqft (1 acres)
Garage Type	Attached
Garage Area	873 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	478 sqft
Porch	Finished/Open Porch
Porch Area	734 sqft
Deck Area	902 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4470 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 21 & 28: BEG 30 FT W & 953.07 FT S OF N 1/4 COR, W 218 FT, S 199.93 FT, E 218 FT, N 200.06 FT TO POB AKA TRACT M
Legal Range	30E
Legal Township	27S
Legal Section	12
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	1
Legal Lot Number	28
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 June 30, 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 Record
Mailing Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2026	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Oct 30, 2019	Loan Modification, Mortgage WATERSTONE MTG
Nov 13, 2019	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Apr 17, 2019	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 3, 2018	Grant Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2026 · Amount on Record
Deed Sale	Mar 13, 2026 · Amount on Record
Prior Sale	Nov 13, 2019 · Amount on Record
Deed Document Number	202633576
Deed Book / Page	6937 / 247
Prior Transfer Date	Oct 30, 2019
Prior Transfer Doc	0056230933
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2026
Property Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0069370247
Book / Page	6937 / 247
Map Reference	MB B PG 37
Instrument Date	Mar 9, 2026
Instrument	2026033576
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	CLOSING TECH LLC, CLOSING CITY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,035.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4240 TUCKER AVE, SAINT CLOUD, FL 34772-8164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480

Mortgage

Document Number	0006937249
Date	Mar 13, 2026
Instrument	6937/249

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Apr 1, 2033
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.5%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.5%

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0056230928
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Dec 5, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4470 HENRY J AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	0056230928
Date	Nov 13, 2019
Book Page	005623/000928
Instrument	148141

Lender

Name	WATERSTONE MTG
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2049

Interest

Rate Type	Fixed Rate
Rate	4.25%

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2019
Property Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0056230933
Book / Page	005623 / 000933
Instrument Date	Oct 30, 2019
Instrument	148142
Transaction Type	Transfer
Record Updated	Dec 4, 2019
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Amount	Amount Recorded
Tax	$1,695.40

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4470 HENRY J AVE ST CLOUD FL 34772, ST CLOUD, FL 34772

April 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 17, 2019
Property Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0055081148
Book / Page	5508 / 1148
Map Reference	MB B PG 37
Instrument Date	Apr 12, 2019
Instrument	2019048179
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSINNAIS LLC

Transaction

Amount	Amount Recorded
Tax	$483.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4509 PACKARD AVE S, 4509, SAINT CLOUD, FL 34772-8162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1703 REFLECTION LN, SAINT CLOUD, FL 34771-7553

Mortgage

Document Number	2019048180
Date	Apr 17, 2019
Instrument	2019048180

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	373 Months
Due	May 1, 2050

Interest

Rate Type	Fixed Rate

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 3, 2018
Property Address	4470 HENRY J AVE, SAINT CLOUD, FL 34772-7480
Document Number	0054111935
Book / Page	005411 / 001935
Instrument Date	Sep 28, 2018
Instrument	148521
Transaction Type	Transfer
Record Updated	Oct 22, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$341.25
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4509 PACKARD AVE S ST CLOUD FL 347728162, ST CLOUD, FL 34772-8162

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	$6,799.00 (+4.34%) Homeowner's exemption	$480,176 (+5.99%)	$667,000 (+3.52%) Land $60,000 Building $607,000
2024	$6,516.00 (+2.02%)
2023	$6,387.00 (+3.63%) Homeowner's exemption	$453,053 (+3%)	$644,300 (+13.89%) Land $50,000 Building $594,300
2022	$6,163.00 Homeowner's exemption	$439,858	$565,700 Land $50,000 Building $515,700

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 500 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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