Osceola County property record for 4500 Packard Ave S, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,188 sqft · built 1999 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $55,000 (Dec 1998) |
| Tax Bill | $3,887 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 99598 |
| Primary APN | 99598 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,188 sqft Heated Area |
| Gross Area | 4,402 sqft |
| 1st Floor Area | 1,494 sqft |
| Upper Floors Area | 1,694 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1999 |
|---|---|
| Exterior Material | Vinyl |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Finished |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 576 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 99598 |
|---|---|
| Street Address | 4500 PACKARD AVE S |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 45 LOT 39 |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 07 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43205 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 4500 PACKARD AVE S, SAINT CLOUD, FL 34772-8161 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 14, 1998 · Amount on Record |
| Deed Sale | Dec 14, 1998 · Amount on Record |
| Prior Sale | Dec 4, 1997 |
| Deed Document Number | 0155902729 |
| Deed Book / Page | 01559 / 02729 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,887.00 (+7.44%) Homeowner's exemption | $270,019 (+5.99%) | $618,700 (+12.74%) Land $216,400 Building $402,300 |
| 2023 | $3,618.00 (+4.21%) Homeowner's exemption | $254,767 (+3%) | $548,800 (+12.23%) Land $153,900 Building $394,900 |
| 2022 | $3,472.00 Homeowner's exemption | $247,347 | $489,000 Land $153,900 Building $335,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, 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 |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 13 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Starlink Satellite | 280 / 30 |
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