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4480 Packard Ave S, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4480 Packard Ave S, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,877 sqft · built 1999
Lot Size4.83 acres (210,394 sqft)
Owner2 Individual Names on File
Last Sale$925,000 (May 2021)
Tax Bill$10,735 (2025)
Deeds & MortgagesMay 2021 Sale
Sep 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN07-27-31-4950-0001-0260

Property Details

APN / Parcel Number

Primary APN07-27-31-4950-0001-0260
Alternative APNs
  • 273107495000010260
  • 99581

Interior

Bedrooms3 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,877 sqft Living Area
Gross Area4,412 sqft
1st Floor Area2,877 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area210,394 sqft (4.83 acres)
Garage TypeAttached
Garage Area667 sqft
Parking Spaces15 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area64 sqft
PorchFlorida Room
Porch Area868 sqft
Deck Area1,152 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4480 PACKARD AVE S
CitySAINT CLOUD
StateFL
Zip34772-8144
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS L & I C PB B PG 45 LOT 26 LESS RD R/W
Legal Range31E
Legal Township27S
Legal Section07
Legal SubdivisionS L & I C
Legal Tract4950
Legal Block260
Legal Lot Number26
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1013
Census Tract43205

Owner

Source: Osceola County records · APN 07-27-31-4950-0001-0260

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address4480 PACKARD AVE S, SAINT CLOUD, FL 34772-8144
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 12, 2021Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY
Sep 14, 2020Deed of Trust, Mortgage · Line of Credit
TRUIST BANK

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 12, 2021 · Amount on Record
Deed SaleMay 12, 2021 · Amount on Record
Deed Document Number202173096
Deed Book / Page5956 / 1660
Prior Transfer DateSep 06, 2007
Prior Transfer Doc0035602830
Record UpdatedJun 08, 2026

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 12, 2021
Property Address4480 PACKARD AVE S, SAINT CLOUD, FL 34772-8144
Document Number0059561660
Book / Page5956 / 1660
Map ReferenceMB B PG 45
Instrument DateMay 11, 2021
Instrument2021073096
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount Recorded
Tax$6,475.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 701336, SAINT CLOUD, FL 34770-1336

Transferred To (Grantee/Buyer)

NameVerified Name
Address4480 PACKARD AVE S, SAINT CLOUD, FL 34772-8144
InvestorPossibly a Property Investor

September 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4480 PACKARD AVE S, SAINT CLOUD, FL 34772-8144
Transaction TypeMortgage
Record UpdatedFeb 05, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address4480 PACKARD AVE S, SAINT CLOUD, FL 34772-8144

Mortgage

Document Number0057930418
DateSep 14, 2020
Book Page5793/418
Instrument2020122525
Lender
NameTRUIST BANK
TypeBank
AddressORLANDO, FL 32809
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 13, 2050
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$10,735.00 (+3.95%) Homeowner's exemption$764,275 (+5.99%)$858,100 (+1%) Land $217,400 Building $640,700
2024$10,327.00 (+1.93%)
2023$10,131.00 (+3.38%) Homeowner's exemption$721,103 (+3%)$780,100 (+11.43%) Land $154,600 Building $625,500
2022$9,800.00 Homeowner's exemption$700,100 Land $154,600 Building $545,500$700,100 Land $154,600 Building $545,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 68 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies68 in force
60 of 68 on primary residences
Nearby Flood Claims9 (1997–2020)
Claims Outside the SFHA5 of 9
Most Recent ClaimJun 2020, other causes
Flood Events
  • Hurricane Irma (Sep 2017), 2 claims
  • Hurricane Frances (Sep 2004), 3 claims

Wildfire

Wildfire RiskHigh
above 73% of the US · above 57% of Florida
Wildfire LikelihoodAbout 1 in 228 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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