Osceola County property record for 1609 Lakeshore Blvd, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,224 sqft · built 1955 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $250,000 (Jan 2022) |
| Tax Bill | $2,031 (2025) |
| Deeds & Mortgages | Dec 2022 Line of Credit Jan 2022 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 80768 |
| Primary APN | 80768 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,224 sqft Heated Area |
| Gross Area | 1,877 sqft |
| 1st Floor Area | 1,098 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1982 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 150 ft deep x 80 ft wide |
| Garage Type | Finished |
| Garage Area | 499 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
|---|---|
| Porch Area | 280 sqft |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80768 |
|---|---|
| Street Address | 1609 LAKESHORE BLVD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS PB B PG 61B-64 E 80 FT OF LOT 70 LESS S 150 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD BLVD |
| Legal Tract | 650 |
| Legal Block | 1 |
| Legal Lot Number | 70 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43400 |
Source: Osceola County records · APN 80768
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1609 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 13, 2022 | Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC |
| Jan 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2022 · Amount on Record |
| Deed Sale | Jan 19, 2022 · Amount on Record |
| Prior Sale | Jul 31, 2003 · Amount on Record |
| Deed Document Number | 2022010043 |
| Deed Book / Page | 6132 / 883 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1609 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2269 |
| Transaction Type | Mortgage |
| Record Updated | Jan 02, 2023 |
| Name | Verified Name |
|---|---|
| Address | 1609 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2269 |
| Document Number | 0063290165 |
|---|---|
| Date | Dec 13, 2022 |
| Book Page | 6329/165 |
| Instrument | 2022178324 |
| Name | SPRING EQ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 07, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 19, 2022 |
| Property Address | 1609 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2269 |
| Document Number | 0061320883 |
| Book / Page | 6132 / 883 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 2022010043 |
| Transaction Type | Transfer |
| Record Updated | Feb 02, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 205 DOLPHIN PT APT 1, 205, CLEARWATER BEACH, FL 33767-2105 |
| Name | Verified Name |
|---|---|
| Address | 1609 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2269 |
| Document Number | 0006132884 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 6132/884 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,031.00 (+7.01%) Homeowner's exemption | $156,397 (+5.99%) | $273,500 (+17.89%) Land $90,000 Building $183,500 |
| 2023 | $1,898.00 (-47.81%) Homeowner's exemption | $147,564 (-26.8%) | $232,000 (+15.08%) Land $90,000 Building $142,000 |
| 2022 | $3,637.00 | $201,600 Land $85,000 Building $116,600 | $201,600 Land $85,000 Building $116,600 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 12 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 12 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 93% of Florida |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 306 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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