4500 Henry J Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4500 Henry J Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,481 sqft · built 2021
Lot Size	1 acres (43,777 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,000 (Sep 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	Dec 2022 Line of Credit Sep 2020 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`12-27-30-4950-0001-0283`

Property Details

APN / Parcel Number

Primary APN	`12-27-30-4950-0001-0283`
Alternative APNs	`273012495000010283` `89392`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,481 sqft Living Area
Gross Area	3,418 sqft
1st Floor Area	2,047 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,777 sqft (1 acres)
Garage Type	Attached
Garage Area	495 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	28 sqft
Porch	Slab
Deck Area	384 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	4500 HENRY J AVE
City	SAINT CLOUD
State	FL
Zip	34772-8506
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 28 & 37: BEG 30 FT W & 1153.13 FT S OF N 1/4 COR, W 212.5 FT, S 205 FT, E 212.5 FT, N 205 FT TO POB AKA TRACT P
Legal Range	30E
Legal Township	27S
Legal Section	12
Legal Subdivision	S L & I C
Legal Tract	P
Legal Block	283
Legal Lot Number	283
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 July 20, 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	4500 HENRY J AVE, SAINT CLOUD, FL 34772-8506
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 9, 2020	Warranty Deed, Subdivision Related Transfer LAND TITLE PROFESSIONALS LLC
Mar 17, 2020	Warranty Deed, Construction Loan NOT AVAILABLE
May 14, 2018	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 9, 2020 · Amount on Record
Deed Sale	Sep 9, 2020 · Amount on Record
Prior Sale	May 14, 2018 · Amount on Record
Deed Document Number	2020119772
Deed Book / Page	5790 / 65
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4500 HENRY J AVE, SAINT CLOUD, FL 34772-8506
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4500 HENRY J AVE, SAINT CLOUD, FL 34772-8506

Mortgage

Document Number	0063331051
Date	Dec 21, 2022
Book Page	6333/1051
Instrument	2022182467

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 7, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2020
Property Address	4500 HENRY J AVE, SAINT CLOUD, FL 34772-8506
Document Number	0057900065
Book / Page	5790 / 65
Map Reference	MB B PG 37
Instrument Date	Sep 3, 2020
Instrument	2020119772
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$553.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4475 BRADY RD, 4475, SAINT CLOUD, FL 34772-7508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	103 MATTHEWS AVE, VILLAS, NJ 08251-2414

March 2020: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 17, 2020
Property Address	4500 HENRY J AVE, SAINT CLOUD, FL 34772-8506
Document Number	0056931843
Book / Page	005693 / 001843
Instrument Date	Jan 6, 2020
Instrument	38164
Transaction Type	Construction Loan
Record Updated	May 22, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 700355 ST CLOUD FL 347700355, ST CLOUD, FL 34770-0355

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2018
Property Address	4500 HENRY J AVE, SAINT CLOUD, FL 34772-8506
Document Number	0053331530
Book / Page	005333 / 001530
Instrument Date	May 2, 2018
Instrument	76182
Transaction Type	Transfer
Record Updated	Jun 27, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$350.00
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	$712.00 (+14.65%) Homeowner's exemption Veteran's exemption	$435,355 (+5.99%)	$475,100 (+4.44%) Land $60,000 Building $415,100
2023	$621.00 (+171.18%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$410,764 (+3%)	$454,900 (+14.07%) Land $50,000 Building $404,900
2022	$229.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$398,800 Land $50,000 Building $348,800	$398,800 Land $50,000 Building $348,800

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 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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