Osceola County property record for 1045 S Lake Ave, Saint Cloud, FL 34771
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,040 sqft · built 1990 |
| Lot Size | 0.689 acres (30,056 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,954 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 92685 |
| Primary APN | 92685 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,040 sqft Heated Area |
| 1st Floor Area | 1,040 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1990 |
|---|---|
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 30,056 sqft (0.689 acres) |
| Lot Dimensions | 300 ft deep x 100 ft wide |
| Fence | Fence |
| Utility Building | 300 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 92685 |
|---|---|
| Street Address | 1045 S LAKE AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7286 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | AC |
| Legal Description | RUNNYMEDE BLK 43 PB 1 PG 057 LOT 6 AND THAT PORTION OF VAC S LAKE AVE LYING BETWEEN & E OF THE HIGH WATER LINE OF E LAKE TOHO |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 29 |
| Legal Subdivision | WATERFRONT EAST LAKE TOHO |
| Legal Tract | 4910 |
| Legal Block | 43 |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
1045 S Lake Ave, a mobile home, is owned and occupied by two individuals who acquired it in December 2024.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1045 S LAKE AVE, SAINT CLOUD, FL 34771-7286 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 19, 2024 |
| Deed Sale | Dec 19, 2024 |
| Deed Document Number | 0067141475 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1045 S Lake Ave was $3,954.
Source: Osceola County assessment roll, as of July 1, 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 | $3,954.00 | $234,000 Land $189,000 Building $45,000 | $234,000 Land $189,000 Building $45,000 |
| 2023 | $1,834.00 (+34.36%) Homeowner's exemption | $149,336 (+83.25%) | $234,000 (+133.53%) Land $189,000 Building $45,000 |
| 2022 | $1,365.00 Homeowner's exemption | $81,495 | $100,200 Land $67,500 Building $32,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1045 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 Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on File median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| 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.
Wildfire risk around 1045 S Lake Ave is moderate, ranking above 69% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% 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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max 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.
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