1905 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1905 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,323 sqft · built 2004
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$189,000 (May 2021)
Tax Bill	$5,254 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3012-0001-1330`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3012-0001-1330`
Alternative APNs	`253117301200011330` `121486`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,323 sqft Living Area
Gross Area	3,041 sqft
1st Floor Area	2,323 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	256 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1905 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 133
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LAKE COVE PH 2
Legal Phase	2
Legal Tract	3012
Legal Block	1330
Legal Lot Number	133
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

1905 Lazy Oaks Loop is owned and occupied by two individuals who bought it in May 2021.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	1905 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 6, 2025	Deed of Trust, Mortgage · Line of Credit GUARANTEED RATE INC
May 19, 2021	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2021 · Amount on File
Deed Sale	May 19, 2021 · Amount on File
Prior Sale	May 2, 2014 · Amount on File
Deed Document Number	202177537
Deed Book / Page	5962 / 728
Prior Transfer Date	May 11, 2021
Prior Transfer Doc	0059620728
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1905 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number	0068591405
Date	Oct 6, 2025
Book Page	6859/1405
Instrument	2025122953

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Oct 22, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 19, 2021
Property Address	1905 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0059620728
Book / Page	5962 / 728
Map Reference	MB 16 PG 69
Instrument Date	May 11, 2021
Instrument	2021077537
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,323.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6440 OLIVEWOOD CIR, 6440, GREENACRES, FL 33463-2430

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1905 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number	0005962730
Date	May 19, 2021
Instrument	5962/730

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

Tax Assessment & Valuation

The 2025 property tax bill for 1905 Lazy Oaks Loop was $5,254 with a homeowner's exemption, up 4.7% from the year before.

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	$5,254.00 (+4.66%) Homeowner's exemption	$368,654	$411,000 Land $95,000 Building $316,000
2024	$5,020.00 (+2.07%)
2023	$4,918.00 (+3.86%) Homeowner's exemption	$347,831 (+3%)	$404,700 (+19.84%) Land $95,000 Building $309,700
2022	$4,735.00 Homeowner's exemption	$337,700 Land $65,000 Building $272,700	$337,700 Land $65,000 Building $272,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1905 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	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

Wildfire risk around 1905 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.

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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