Osceola County property record for 1811 Lost Lake Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,930 sqft · built 2002 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | Individual Name on File |
| Last Sale | $440,000 (Dec 2025) |
| Tax Bill | $2,767 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage Aug 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 94964 |
| Primary APN | 94964 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,930 sqft Heated Area |
| Gross Area | 2,637 sqft |
| 1st Floor Area | 1,930 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 21,780 sqft (0.5 acres) |
| Lot Dimensions | 134 ft deep x 165 ft wide |
| Garage Type | Finished |
| Garage Area | 460 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 247 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 94964 |
|---|---|
| Street Address | 1811 LOST LAKE CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR1C |
| Legal Description | LOST LAKE ESTATES PB 13 PG 8 LOT 2 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LOST LAKE ESTATES |
| Legal Tract | 3979 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
1811 Lost Lake Ct is owned and occupied by an individual who bought it in December 2025.
Source: Osceola County records, as of January 8, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| 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.
| Date | Document |
|---|---|
| Feb 16, 2021 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Aug 31, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| Dec 29, 2025 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Aug 17, 2020 | Warranty Deed, Transfer · Conventional with PMI GEORGE M & MARY D HASTINGS |
| Apr 17, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 29, 2025 · Amount on File |
| Deed Sale | Dec 29, 2025 · Amount on File |
| Prior Sale | Aug 17, 2020 · Amount on File |
| Deed Document Number | 2025157669 |
| Deed Book / Page | 6899 / 1422 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0058920863 |
|---|---|
| Date | Feb 16, 2021 |
| Book Page | 5892/863 |
| Instrument | 2021022417 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 241 Months |
| Due | Mar 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0062781020 |
|---|---|
| Date | Aug 31, 2022 |
| Book Page | 6278/1020 |
| Instrument | 2022133109 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 119 Months |
| Due | Jul 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2025 |
| Property Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0068991422 |
| Book / Page | 6899 / 1422 |
| Map Reference | MB 13 PG 8 |
| Instrument Date | Dec 23, 2025 |
| Instrument | 2025157669 |
| Transaction Type | Transfer |
| Record Updated | Jan 9, 2026 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,080.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Name | Verified Name |
|---|---|
| Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0068991424 |
|---|---|
| Date | Dec 29, 2025 |
| Instrument | 6899/1424 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 17, 2020 |
| Property Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0057751216 |
| Book / Page | 005775 / 001216 |
| Instrument Date | Aug 14, 2020 |
| Instrument | 107966 |
| Transaction Type | Transfer |
| Record Updated | Sep 25, 2020 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,540.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1811 LOST LAKE CT ST CLOUD FL 347718814, ST CLOUD, FL 34771-8814 |
| Document Number | 57791950 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 005779/001950 |
| Instrument | 111345 |
| Name | GEORGE M & MARY D HASTINGS |
|---|---|
| Address | 3083 TINDALL ACRES RD, KISSIMMEE, FL 34744-9214 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 17, 2018 |
| Property Address | 1811 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0053181650 |
| Book / Page | 005318 / 001650 |
| Instrument Date | Apr 12, 2018 |
| Instrument | 60448 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,575.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Personal Trust |
| Address | 4000 CANOE CREEK RD ST CLOUD FL 347729107, ST CLOUD, FL 34772-9107 |
The 2025 property tax bill for 1811 Lost Lake Ct was $2,767 with a homeowner's exemption.
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 | $2,767.00 Homeowner's exemption | $159,738 | $283,900 Land $36,000 Building $247,900 |
| 2023 | $2,500.00 (+5.93%) Homeowner's exemption | $150,716 (+3%) | $279,300 (+15.18%) Land $36,000 Building $243,300 |
| 2022 | $2,360.00 Homeowner's exemption | $146,327 | $242,500 Land $36,000 Building $206,500 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 1811 Lost Lake Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 192 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 192 in force |
| Nearby Flood Claims | 6 (2002–2023) |
| Most Recent Claim | Nov 2023 · rainfall accumulation |
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 1811 Lost Lake Ct is high, ranking above 80% of the US, with a 0.6% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 80% of the US · above 69% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 25 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
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