Osceola County property record for 4561 Henry J Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,486 sqft · built 2005 |
| Lot Size | 4.77 acres (207,781 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $825,000 (Jun 2026) |
| Tax Bill | $4,349 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 12-27-30-4950-0001-0520 |
| Primary APN | 12-27-30-4950-0001-0520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,486 sqft Living Area |
| Gross Area | 4,924 sqft |
| 1st Floor Area | 2,486 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 207,781 sqft (4.77 acres) |
| Garage Type | Detached |
| Garage Area | 1,036 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 480 sqft |
| Porch | Florida Room |
| Porch Area | 1,402 sqft |
| Deck Area | 1,056 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4561 HENRY J AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8503 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | S L & I C PB B PG 37 LOT 52 |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 12 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 520 |
| Legal Lot Number | 52 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43205 |
Source: Osceola County records, as of June 22, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 5615 BONN WAY, SAINT CLOUD, FL 34771-8173 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 12, 2026 · Amount on Record |
| Deed Sale | Jun 12, 2026 · Amount on Record |
| Prior Sale | Dec 2, 2003 · Amount on Record |
| Deed Document Number | 202677868 |
| Deed Book / Page | 6987 / 2017 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 12, 2026 |
| Property Address | 4561 HENRY J AVE, SAINT CLOUD, FL 34772-8503 |
| Document Number | 0000077868 |
| Book / Page | 6987 / 2017 |
| Instrument Date | Jun 11, 2026 |
| Instrument | 202677868 |
| Transaction Type | Transfer |
| Record Updated | Jun 22, 2026 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $583,275.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 5615 BONN WAY, SAINT CLOUD, FL 34771-8173 |
| Investor | Possibly a Property Investor |
| Document Number | 0000077869, |
|---|---|
| Date | Jun 12, 2026 |
| Instrument | 202677869 |
| Name | NBKC BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.3% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 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 | $4,349.00 (+7.17%) Homeowner's exemption | $303,384 (+5.99%) | $656,300 (+12.79%) Land $214,600 Building $441,700 |
| 2023 | $4,058.00 (+4.08%) Homeowner's exemption | $286,247 (+3%) | $581,900 (+11.62%) Land $152,600 Building $429,300 |
| 2022 | $3,899.00 Homeowner's exemption | $277,910 | $521,300 Land $152,600 Building $368,700 |
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.
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 |
|
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 78% of the US · above 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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 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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