1901 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1901 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 2006
Lot Size	0.276 acres (12,022 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jun 2023)
Tax Bill	$5,281 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3012-0001-1350`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3012-0001-1350`
Alternative APNs	`253117301200011350` `121488`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,773 sqft Living Area
Gross Area	2,474 sqft
1st Floor Area	1,773 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,022 sqft (0.276 acres)
Garage Type	Attached
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	312 sqft
Porch	Finished/Open Porch
Porch Area	218 sqft
Deck Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1901 LAZY OAKS LOOP
City	SAINT CLOUD
State	FL
Zip	34771-8850
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	EAST LAKE COVE PHASE 2 PB 16 PG 69 LOT 135
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LAKE COVE PH 2
Legal Phase	2
Legal Tract	3012
Legal Block	1350
Legal Lot Number	135
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jun 16, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC
May 4, 2022	Quit Claim Deed, Transfer ATTORNEY ONLY, ATTORNEY
Feb 5, 2019	Warranty Deed, Transfer CAPE CORAL TITLE, CAPE CORAL TITLE INS AGCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2023 · Amount on Record
Deed Sale	Jun 1, 2023 · Amount on Record
Prior Sale	Jun 16, 2022 · Amount on Record
Deed Document Number	202370203
Deed Book / Page	6417 / 187
Prior Transfer Date	May 4, 2022
Prior Transfer Doc	0062071619
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 1, 2023
Property Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0064170187
Book / Page	6417 / 187
Map Reference	MB 16 PG 69
Instrument Date	May 31, 2023
Instrument	2023070203
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,325.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13521 ESPOSITO ST, VENICE, FL 34293-2144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number	0006417189
Date	Jun 1, 2023
Instrument	6417/189

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 16, 2022
Property Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0062342597
Book / Page	6234 / 2597
Map Reference	MB 16 PG 69
Instrument Date	Jun 14, 2022
Instrument	2022094801
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	PROMINENCE TITLE, PROMINENCE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,220.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7357 TOWNSHIP ROAD 80, BELLVILLE, OH 44813-9528

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7357 TOWNSHIP ROAD, BELLVILLE, OH 44813-9528

Mortgage

Document Number	0062342598
Date	Jun 16, 2022
Instrument	6234/2598

Lender

Name	PRIMARY RESIDENTIAL MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 4, 2022
Property Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0062071619
Book / Page	6207 / 1619
Map Reference	MB 16 PG 69
Instrument Date	Apr 5, 2022
Instrument	2022071114
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$763.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2019
Property Address	1901 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0054722179
Book / Page	005472 / 002179
Instrument Date	Jan 25, 2019
Instrument	14927
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	CAPE CORAL TITLE, CAPE CORAL TITLE INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1901 LAZY OAKS LOOP ST CLOUD FL 347718850, ST CLOUD, FL 34771-8850

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,281.00 (+1.87%) Homeowner's exemption	$370,600 (+1.62%) Land $95,000 Building $275,600	$370,600 (+1.62%) Land $95,000 Building $275,600
2024	$5,184.00 (+0.58%)
2023	$5,154.00 (+84.73%) Homeowner's exemption	$364,700 (+79.17%) Land $95,000 Building $269,700	$364,700 (+21.49%) Land $95,000 Building $269,700
2022	$2,790.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$203,546	$300,200 Land $65,000 Building $235,200

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.

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · lower than 85% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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