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1035 S Lake Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1035 S Lake Ave, Saint Cloud, FL 34771

Property Summary

Property TypeMobile Home
Details2 bd · 2 ba · 1,120 sqft · built 2015
Lot Size0.689 acres (30,056 sqft)
OwnerIndividual Name on File
Last Sale$330,000 (Jul 2023)
Tax Bill$4,319 (2025)
Deeds & MortgagesJul 2023 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN92684

Property Details

APN / Parcel Number

Primary APN92684
Alternative APN
  • 292531491000430050

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,120 sqft Heated Area
1st Floor Area1,120 sqft
FlooringVinyl/Resilient
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2015
Architectural StyleMobile/Manufactured
Exterior MaterialVinyl
Foundation TypePier/Post & Beam
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area30,056 sqft (0.689 acres)
Lot Dimensions300 ft deep x 100 ft wide
Garage Area288 sqft
Parking Spaces1 Parking Space
Quonset Hut880 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number92684
Street Address1035 S LAKE AVE
CitySAINT CLOUD
StateFL
Zip34771-7261
Property CategoryResidential
Property TypeResidential > Prefabricated > Mobile Home
Local Zoning CodeAC
Legal DescriptionRUNNYMEDE PB 1 PG 57 BLK 43 LOT 5 AND THAT PORTION OF VAC S LAKE AVE LYING BETWEEN & E OF THE HIGH WATER LINE OF E LAKE TOHO
Legal Range31E
Legal Township25S
Legal Section29
Legal SubdivisionWATERFRONT EAST LAKE TOHO
Legal Tract4910
Legal Block43
Legal Lot Number5 30
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

Owner

1035 S Lake Ave, a mobile home, is owned and occupied by an individual who bought it in July 2023.

Source: Osceola County records, as of December 11, 2025

Owner of RecordIndividual Name on File
Mailing Address1035 S LAKE AVE, SAINT CLOUD, FL 34771-7261
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 25, 2023 · Amount on File
Deed SaleJul 25, 2023 · Amount on File
Prior SaleMay 17, 2005 · Amount on File
Deed Document Number2023096091
Deed Book / Page6446 / 190
Record UpdatedJun 8, 2026

July 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 25, 2023
Property Address1035 S LAKE AVE, SAINT CLOUD, FL 34771-7261
Document Number0064460190
Book / Page6446 / 190
Map ReferenceMB 1 PG 57
Instrument DateJul 21, 2023
Instrument2023096091
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,310.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address15571 NW 115TH CT, REDDICK, FL 32686-2905

Transferred To (Grantee/Buyer)

NameVerified Name
Address1035 S LAKE AVE, SAINT CLOUD, FL 34771-7261

Mortgage

Document Number0006446192
DateJul 25, 2023
Instrument6446/192
Lender
NameTHE MORTGAGE FIRM INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueAug 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1035 S Lake Ave was $4,319.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,319.00$260,300 Land $180,000 Building $80,300$260,300 Land $180,000 Building $80,300
2023$1,598.00 (+1.78%) Homeowner's exemption Widower's exemption$115,117 (+3%)$263,200 (+96.13%) Land $180,000 Building $83,200
2022$1,570.00 Homeowner's exemption Widower's exemption$111,765$134,200 Land $72,000 Building $62,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1035 S Lake Ave in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on File
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 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

Wildfire risk around 1035 S Lake Ave is high, ranking above 81% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 81% of the US · above 71% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 60 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Lake Ave

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