4508 Packard Ave S, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4508 Packard Ave S, Saint Cloud, FL 34772 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	5 Beds
Bathrooms	4 Baths
Year Built	Built 2021
Square Footage	3,686 sqft Living Area
Lot Size	81,021 sqft (1.86 acres)
Occupancy	Owner Occupied
Last Sale	$1,160,000 (2025)
Tax Bill	$11,438.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`07-27-31-4950-0001-0425`
Alternative APN	`273107495000010425`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Building Area	3,686 sqft Living Area
Gross Area	5,117 sqft Gross Area
1st Floor	1,800 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional Style
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	81,021 sqft (1.86 acres)
Garage Type	Attached Garage
Garage Area	679 sqft Garage

Utilities and HVAC

Heating System	Central Heating

Location & Zoning

Street Address	4508 PACKARD AVE S
City	SAINT CLOUD
State	FL
Zip	34772-8161
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 45 A PORTION OF LOT 42: COM AT NW COR OF LOT 42, E 166.56 FT TO POB; CONT E 453.32 FT TO POC, CURVE RIGHT, RAD 50 FT, CENT ANG 33 DEG, ALONG CURVE 28.69 FT TO W R/W LINE OF PACKARD AVE, S00-15-19E 153.09 FT, W 475.94 FT, N00-15-19W
Legal Range	31E
Legal Township	27S
Legal Section	07
Legal Subdivision	S L & I C
Legal Lot Number	42
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1013
Census Tract	43205

Owner

Source: Osceola County records · APN 07-27-31-4950-0001-0425

Assessment roll updated November 26, 2025 · Last verified August 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 File
Mailing Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Mar 01, 2022	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 10, 2024	Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA
Jun 09, 2025	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Jul 16, 2024	Intrafamily Transfer, Transfer PARK PLACE TITLE, PARK AVE TITLE
Jul 16, 2024	Intrafamily Transfer, Transfer PARK PLACE TITLE, PARK AVE TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 09, 2025 · Amount on Record
Deed Sale	Jun 09, 2025 · Amount on Record
Deed Doc Number	202572142
Deed Book / Page	6801 / 203
Prior Transfer Date	Jul 08, 2024
Prior Transfer Doc	0066332299
Record Refreshed	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 20, 2026
Property Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Document Number	0000066761
Book / Page	6974 / 1990
Instrument Date	Apr 15, 2026
Instrument	202666761
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Mortgage

Document Number	0000066761,
Date	May 20, 2026
Book Page	6974/1990
Instrument	202666761

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 15, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Transaction Type	Mortgage
Record Updated	Apr 02, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Mortgage

Document Number	0061611114
Date	Mar 01, 2022
Book Page	6161/1114
Instrument	2022033239

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Feb 24, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Transaction Type	Mortgage
Record Updated	Apr 02, 2026
Title Company	LEADING EDGE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Mortgage

Document Number	0066621978
Date	Sep 10, 2024
Book Page	6662/1978
Instrument	2024116314

Lender

Name	SOUTH STATE BANK NA
Type	Bank
Address	WINTER HAVEN, FL 33880

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	17 Months
Due	Feb 20, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 09, 2025
Property Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Document Number	0068010203
Book / Page	6801 / 203
Instrument Date	Jun 04, 2025
Instrument	2025072142
Transaction Type	Transfer
Record Updated	Apr 02, 2026
Title Company	PARK PLACE TITLE, PARK AVE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,120.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	615 GLENRIDGE WAY, WINTER PARK, FL 32789-6126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Mortgage

Document Number	0006801205
Date	Jun 09, 2025
Instrument	6801/205

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2055

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2024
Property Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Document Number	0066332299
Book / Page	6633 / 2299
Instrument Date	Jul 08, 2024
Instrument	2024092608
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PARK PLACE TITLE, PARK AVE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4510 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4510 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 16, 2024
Property Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161
Document Number	0066332302
Book / Page	6633 / 2302
Instrument Date	Jul 08, 2024
Instrument	2024092609
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PARK PLACE TITLE, PARK AVE TITLE

Transaction

Tax	$0.00
Amount Accuracy	Zero or No Consideration Stated
Additional	Interfamily Transfer Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4510 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4508 PACKARD AVE S, SAINT CLOUD, FL 34772-8161

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$11,438.00 (+59.57%)	$774,200 (+55.17%) Land $96,700 Building $677,500	$774,200 (+22.25%) Land $96,700 Building $677,500
2024	$7,168.00 (+1.99%)
2023	$7,028.00 (+3.58%) Homeowner's exemption	$498,952 (+3%)	$633,300 (+17%) Land $75,100 Building $558,200
2022	$6,785.00 Homeowner's exemption	$484,420	$541,300 Land $67,000 Building $474,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	66.0 ft

Wildfire

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	About 1 in 200 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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