Osceola County property record for 1821 Lost Lake Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,808 sqft · built 2019 |
| Lot Size | 0.5 acres (21,780 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $46,000 (Nov 2018) |
| Tax Bill | $3,952 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Dec 2019 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 94965 |
| Primary APN | 94965 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,808 sqft Heated Area |
| Gross Area | 4,434 sqft |
| 1st Floor Area | 2,808 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2019 |
|---|---|
| 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 167 ft wide |
| Garage Type | Finished |
| Garage Area | 690 sqft |
| Porch | Open Porch |
| Porch Area | 936 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 94965 |
|---|---|
| Street Address | 1821 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 3 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LOST LAKE ESTATES |
| Legal Tract | 3979 |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1034 |
| Census Tract | 43801 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1821 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 25, 2019 | Deed of Trust, Mortgage · ARM CENTENNIAL BANK |
| Dec 19, 2019 | Loan Modification, Mortgage CENTENNIAL BK |
| Nov 6, 2018 | Warranty Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2018 · Amount on Record |
| Deed Sale | Nov 6, 2018 · Amount on Record |
| Prior Sale | Jun 18, 2007 · Amount on Record |
| Deed Document Number | 2018165066 |
| Deed Book / Page | 5429 / 2441 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1821 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0054812730 |
|---|---|
| Date | Feb 25, 2019 |
| Book Page | 5481/2730 |
| Instrument | 2019023716 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Mar 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5% |
| Type Change Date | Mar 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 7% |
| Index | 1-Year CMT |
| Max Rate | 11% |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1821 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0056520908 |
| Instrument Date | Dec 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1821 LOST LAKE CT ST CLOUD FL 347718814, ST CLOUD, FL 34771-8814 |
| Document Number | 0056520908 |
|---|---|
| Date | Jan 3, 2020 |
| Book Page | 005652/000908 |
| Instrument | 1244 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 2, 2050 |
| Rate | 3.87% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 6, 2018 |
| Property Address | 1821 LOST LAKE CT, SAINT CLOUD, FL 34771-8814 |
| Document Number | 0054292441 |
| Book / Page | 005429 / 002441 |
| Instrument Date | Oct 26, 2018 |
| Instrument | 165066 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2018 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $322.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1947 PERIDOT CIR KISSIMMEE FL 347433716, KISSIMMEE, FL 34743-3716 |
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 | $3,952.00 (+8.96%) Homeowner's exemption | $245,244 (+5.99%) | $445,700 (+1.85%) Land $36,000 Building $409,700 |
| 2023 | $3,627.00 (+4.98%) Homeowner's exemption | $231,392 (+3%) | $437,600 (+16.01%) Land $36,000 Building $401,600 |
| 2022 | $3,455.00 Homeowner's exemption | $224,653 | $377,200 Land $36,000 Building $341,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 83% of the US · above 73% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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 | 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 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
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