Osceola County property record for 1904 Lazy Oaks Loop, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,051 sqft · built 2006 |
| Lot Size | 0.244 acres (10,629 sqft) |
| Owner | Individual Name on File |
| Last Sale | $270,600 (Sep 2006) |
| Tax Bill | $4,920 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 121491 |
| Primary APN | 121491 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,051 sqft Heated Area |
| Gross Area | 3,819 sqft |
| 1st Floor Area | 1,844 sqft |
| Upper Floors Area | 1,207 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,629 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 327 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 121491 |
|---|---|
| Street Address | 1904 LAZY OAKS LOOP |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8851 |
| 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 138 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | EAST LAKE COVE |
| Legal Phase | 2 |
| Legal Tract | 3012 |
| Legal Block | 1 |
| Legal Lot Number | 138 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 43600 |
1904 Lazy Oaks Loop is owned and occupied by an individual who bought it in September 2006.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1904 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8851 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 13, 2006 · Amount on File |
| Deed Sale | Sep 13, 2006 · Amount on File |
| Deed Document Number | 2006226635 |
| Deed Book / Page | 3275 / 2242 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1904 Lazy Oaks Loop was $4,920 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 | $4,920.00 Homeowner's exemption | $344,552 | $488,000 Land $95,000 Building $393,000 |
| 2023 | $4,600.00 (+3.93%) Homeowner's exemption | $325,090 (+3%) | $480,500 (+18.97%) Land $95,000 Building $385,500 |
| 2022 | $4,426.00 Homeowner's exemption | $315,622 | $403,900 Land $65,000 Building $338,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1904 Lazy Oaks Loop in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 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 1904 Lazy Oaks Loop is moderate, ranking above 44% of the US, with a 0.07% annual chance of 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.
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 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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