1011 Liza St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1011 Liza St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,147 sqft · built 1984
Lot Size	0.871 acres (37,940 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (May 2019)
Tax Bill	$3,246 (2025)
Deeds & Mortgages	Aug 2023 Transfer Jun 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-26-31-7500-0001-0272`

Property Details

APN / Parcel Number

Primary APN	`06-26-31-7500-0001-0272`
Alternative APNs	`263106750000010272` `96382`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,147 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	2,147 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	37,940 sqft (0.871 acres)
Lot Dimensions	300 ft deep x 123 ft wide

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	364 sqft
Porch	Finished/Open Porch
Porch Area	85 sqft
Deck Area	455 sqft
Shed	1 Shed
Shed Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1011 LIZA ST
City	SAINT CLOUD
State	FL
Zip	34771-4812
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS3
Legal Description	S L & I C LOT 411 LESS N 82.5 FT & N 41.25 FT OF LOT 422 LESS W 15 FT FOR R/W AKA PART TRACT 27 ARROWHEAD COUNTRY ESTATES
Legal Range	31E
Legal Township	26S
Legal Section	06
Legal Subdivision	ARROWHEAD COUNTRY ESTATES UNREC
Legal Tract	27
Legal Block	272
Legal Lot Number	272
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2036
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 2025

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 Record
Mailing Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 16, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP
Jan 26, 2021	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
May 23, 2019	Special Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Nov 21, 2018	Trustee's Deed, Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 23, 2019 · Amount on Record
Deed Sale	May 23, 2019 · Amount on Record
Prior Sale	Nov 21, 2018
Deed Document Number	201967033
Deed Book / Page	5529 / 1369
Last Transfer Date	Aug 16, 2023
Transfer Doc	0064581462
Record Updated	Jun 8, 2026

August 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 16, 2023
Property Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812
Document Number	0064581462
Book / Page	6458 / 1462
Map Reference	MB B PG 61
Instrument Date	Aug 16, 2023
Instrument	2023107291
Transaction Type	Transfer
Record Updated	Aug 31, 2023
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057422403
Date	Jun 24, 2020
Book Page	5742/2403
Instrument	2020081141

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812

Mortgage

Document Number	0058772740
Date	Jan 26, 2021
Book Page	5877/2740
Instrument	2021011675

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 23, 2019
Property Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812
Document Number	0055291369
Book / Page	5529 / 1369
Map Reference	MB B PG 61
Instrument Date	May 2, 2019
Instrument	2019067033
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	SHORE TO SHORE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,330.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 830, ARMONK, NY 10504-0830

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812

Mortgage

Document Number	0055291375
Date	May 23, 2019
Instrument	5529/1375

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

November 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2018
Property Address	1011 LIZA ST, SAINT CLOUD, FL 34771-4812
Document Number	0054362263
Book / Page	005436 / 002263
Instrument Date	Nov 6, 2018
Instrument	171437
Transaction Type	Foreclosure
Record Updated	Dec 7, 2018

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	15480 LAGUNA CANYON RD #100 IRVINE CA 926182132, 100, IRVINE, CA 92618-2132
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,246.00 (+2.11%)	$223,733 (+2.45%)	$337,800 (+14.31%) Land $75,000 Building $262,800
2024	$3,179.00 (+2.22%)
2023	$3,110.00 (+4.43%) Homeowner's exemption	$218,377 (+3%)	$295,500 (+24.58%) Land $52,000 Building $243,500
2022	$2,978.00 Homeowner's exemption	$212,017	$237,200 Land $52,000 Building $185,200

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 2 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	Low lower than 66% of the US · lower than 91% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 219 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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