Osceola County property record for 1077 S Lake Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,840 sqft · built 2007 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,554 (2025) |
| Deeds & Mortgages | Jul 2024 Transfer |
| Flood Zone | Zone AE (high risk) |
| APN | 29-25-31-4910-0043-0120 |
| Primary APN | 29-25-31-4910-0043-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,840 sqft Living Area |
| Gross Area | 4,274 sqft |
| 1st Floor Area | 2,840 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 48,787 sqft (1.12 acres) |
| Lot Dimensions | 300 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 744 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 690 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1077 S LAKE AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7260 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Description | TOWN OF RUNNYMEADE PB 1 PGS 4-5 BLK 43 LOT 12 AND THAT PORTION OF VAC S LAKE AVE LYING BETWEEN & E OF THE HIGH WATER LINE OF E LAKE TOHO & W OF SAID LOT |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 29 |
| Legal Subdivision | RUNNYMEDE NORTH HALF TOWN OF |
| Legal Tract | 4910 |
| Legal Block | 43 |
| Legal Lot Number | 12 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
1077 S Lake Ave is owned and occupied by two individuals who acquired it in June 2024.
Source: Osceola County records, as of March 6, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1077 S LAKE AVE, SAINT CLOUD, FL 34771-7260 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
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 | 2 Names on Deed |
|---|---|
| Last Transfer Date | Jun 17, 2024 |
| Transfer Doc | 0066282003 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 8, 2024 |
| Property Address | 1077 S LAKE AVE, SAINT CLOUD, FL 34771-7260 |
| Document Number | 0066282003 |
| Book / Page | 6628 / 2003 |
| Map Reference | MB 1 PG 4&5 |
| Instrument Date | Jun 17, 2024 |
| Instrument | 2024088034 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1077 S LAKE AVE, SAINT CLOUD, FL 34771-7260 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 1077 S LAKE AVE, SAINT CLOUD, FL 34771-7260 |
The 2025 property tax bill for 1077 S Lake Ave was $4,554, up 4.9% from the year before.
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 | $4,554.00 (+4.88%) | $318,185 | $549,900 Land $180,000 Building $369,900 |
| 2024 | $4,342.00 (+2.09%) | ||
| 2023 | $4,253.00 (+4.01%) Homeowner's exemption | $300,212 (+3%) | $542,400 (+42.74%) Land $180,000 Building $362,400 |
| 2022 | $4,089.00 Homeowner's exemption | $291,468 | $380,000 Land $72,000 Building $308,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1077 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 1077 S Lake Ave is high, ranking above 76% 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 | High above 76% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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.
5G (outdoors only) and 4G LTE
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