4509 Packard Ave S, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4509 Packard Ave S, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 4,621 sqft · built 2015
Lot Size	4.86 acres (211,702 sqft)
Owner	Individual Name on Record
Last Sale	$1,100,000 (Nov 2019)
Tax Bill	$12,931 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Nov 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`99603`

Property Details

APN / Parcel Number

Primary APN	`99603`
Alternative APN	`072731495000010430`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,621 sqft Heated Area
Gross Area	7,331 sqft
1st Floor Area	3,382 sqft
Upper Floors Area	1,239 sqft
Attic Area	330 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Exterior Material	Fiber Cement Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	211,702 sqft (4.86 acres)
Garage Type	Finished
Garage Area	1,276 sqft
Parking Spaces	9 Parking Spaces

Exterior Amenities

Pool Area	36 sqft
Porch	Porch
Porch Area	1,104 sqft
Deck Area	1,023 sqft
Pole Barn	1,620 sqft
Boat Access	Boat Access
Boat House	126 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	99603
Street Address	4509 PACKARD AVE S
City	SAINT CLOUD
State	FL
Zip	34772-8162
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 45 LOT 43 AND W 1/2 OF LOTS 44, 53 & 60 AND N 123 FT & E 1/2 OF LOT 54 AND E 1/2 OF LOT 59 LESS RD R/W
Legal Range	31E
Legal Township	27S
Legal Section	07
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43205

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	4509 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage NEIGHBORHOOD LOANS
Nov 27, 2019	Warranty Deed, Transfer · VA Mortgage BUSEY BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 27, 2019 · Amount on Record
Deed Sale	Nov 27, 2019 · Amount on Record
Prior Sale	Aug 9, 2013 · Amount on Record
Deed Document Number	0056311648
Deed Book / Page	5631 / 1648
Record Updated	Jun 8, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4509 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 PACKARD AVE S, SAINT CLOUD, FL 34772-8162

Mortgage

Document Number	0058402459
Date	Nov 30, 2020
Book Page	5840/2459
Instrument	2020161923

Lender

Name	NEIGHBORHOOD LOANS
Type	Mortgage Company
Address	DOWNERS GROVE, IL 60515

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 27, 2019
Property Address	4509 PACKARD AVE S, SAINT CLOUD, FL 34772-8162
Document Number	0056311648
Book / Page	5631 / 1648
Map Reference	MB B PG 45
Instrument Date	Nov 27, 2019
Instrument	2019154829
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,700.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4509 PACKARD AVE S, 4509, SAINT CLOUD, FL 34772-8162

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 PACKARD AVE S, SAINT CLOUD, FL 34772-8162

Mortgage

Document Number	0056311650
Date	Nov 27, 2019
Instrument	5631/1650

Lender

Name	BUSEY BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$12,931.00 (+5.83%) Homeowner's exemption	$922,807 (+5.99%)	$1,161,600 (+2.67%) Land $161,600 Building $1,000,000
2023	$12,219.00 (+3.29%) Homeowner's exemption	$870,680 (+3%)	$1,131,400 (+13.63%) Land $150,800 Building $980,600
2022	$11,830.00 Homeowner's exemption	$845,321	$995,700 Land $150,800 Building $844,900

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	66.0 ft
Flood Insurance Requirement	Required federally backed loans
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 81% of the US · above 72% 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 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

Nearby Properties on Packard Ave S

Nearby Streets

All Saint Cloud, FL Property Records

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures