4505 Packard Ave S, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4505 Packard Ave S, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 4.5 ba · 3,130 sqft · built 2012
Lot Size	2.49 acres (108,464 sqft)
Owner	Company Name on File
Last Sale	$1,250,000 (Nov 2023)
Tax Bill	$10,701 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Nov 2023 Sale + 2 more
Flood Zone	Zone AE (high risk)
APN	`07-27-31-4950-0001-0380`

Property Details

APN / Parcel Number

Primary APN	`07-27-31-4950-0001-0380`
Alternative APNs	`273107495000010380` `99597`

Interior

Bedrooms	5 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,130 sqft Living Area
Gross Area	7,485 sqft
1st Floor Area	2,048 sqft
Upper Floors Area	1,082 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2012
Effective Year Built	Effective 2012
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	108,464 sqft (2.49 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	770 sqft
Porch	Finished/Open Porch
Porch Area	1,605 sqft
Patio Area	169 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4505 PACKARD AVE S
City	SAINT CLOUD
State	FL
Zip	34772-8162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 45 LOT 38 LESS THAT PORTION LYING WITHIN SAID LOT: BEG AT NW COR OF LOT 37, N89-57-09E 319.84 FT, S00-10-33E 330.08 FT, S89-54-54W 939.98 FT TO NON-TAN CURVE, CONC W, RAD 50 FT, CENT ANG 56 DEG, (CH BEARING N12-59-42E 47.02 FT), NLY
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	380
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43205

Owner

Source: Osceola County records · APN 07-27-31-4950-0001-0380

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 Record	Company Name on File
Mailing Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2022	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Nov 01, 2023	Warranty Deed, Transfer ELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC
May 14, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Sep 14, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 01, 2023 · Amount on Record
Deed Sale	Nov 01, 2023 · Amount on Record
Prior Sale	May 25, 2011 · Amount on Record
Deed Document Number	2023144244
Deed Book / Page	6498 / 2390
Prior Transfer Date	Sep 06, 2007
Prior Transfer Doc	0035602815
Record Updated	Jun 08, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4605 PACKARD AVE S, SAINT CLOUD, FL 34772

Mortgage

Document Number	0063192380
Date	Nov 23, 2022
Book Page	6319/2380
Instrument	2022169916

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	KISSIMMEE, FL 34743

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Oct 20, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 01, 2023
Property Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Document Number	0064982390
Book / Page	6498 / 2390
Map Reference	MB B PG 45
Instrument Date	Oct 31, 2023
Instrument	2023144244
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ELEVATED TITLE LLC, ELEVATED TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Tax	$8,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4507 PACKARD AVE S, SAINT CLOUD, FL 34772-8162

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057221262
Date	May 14, 2020
Book Page	5722/1262
Instrument	2020064251

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2050

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 14, 2022
Property Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Document Number	0062851524
Book / Page	6285 / 1524
Map Reference	MB B PG 45
Instrument Date	Aug 31, 2022
Instrument	2022139538
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Tax	$700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4475 PACKARD AVE S, SAINT CLOUD, FL 34772-8145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4505 PACKARD AVE S, SAINT CLOUD, FL 34772-8162

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,701.00 (+3.95%)	$761,860 (+87.52%)	$917,200 (+5.95%) Land $161,800 Building $755,400
2024	$10,294.00 (+79.53%)
2023	$5,734.00 (+1.11%) Homeowner's exemption	$406,274 (+0.39%)	$865,700 (+11.66%) Land $125,700 Building $740,000
2022	$5,671.00 Homeowner's exemption	$404,702	$775,300 Land $137,700 Building $637,600

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 Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 68 individual NFIP policies nearby
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 Storm	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

Wildfire

Wildfire Risk	High above 73% of the US · above 57% of Florida
Wildfire Likelihood	About 1 in 228 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 13 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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