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1907 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1907 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,323 sqft · built 2005
Lot Size0.249 acres (10,846 sqft)
Owner2 Individual Names on Record
Last Sale$490,000 (Apr 2025)
Tax Bill$3,826 (2025)
Deeds & MortgagesJun 2020 Mortgage
Oct 2017 Mortgage
Flood ZoneZone X (minimal risk)
APN17-25-31-3012-0001-1320

Property Details

APN / Parcel Number

Primary APN17-25-31-3012-0001-1320
Alternative APNs
  • 253117301200011320
  • 121485

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,323 sqft Living Area
Gross Area3,041 sqft
1st Floor Area2,323 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,846 sqft (0.249 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area312 sqft
PorchFinished/Open Porch
Porch Area256 sqft
Deck Area328 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1907 LAZY OAKS LOOP
CitySAINT CLOUD
StateFL
Zip34771-8850
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionEAST LAKE COVE PHASE 2 PB 16 PG 69 LOT 132
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionEAST LAKE COVE PH 2
Legal Phase2
Legal Tract3012
Legal Block1320
Legal Lot Number132
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

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 Record2 Individual Names on Record
Mailing Address1907 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jun 17, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
EQUITY PRIME MORTGAGE LLC
Oct 27, 2017Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 29, 2025 · Amount on Record
Deed SaleApr 29, 2025 · Amount on Record
Prior SaleMar 7, 2016 · Amount on Record
Deed Document Number202553758
Deed Book / Page6778 / 2416
Prior Transfer DateJun 3, 2020
Prior Transfer Doc0057390403
Record UpdatedJun 8, 2026

June 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJun 17, 2020
Property Address1907 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number0057390403
Book / Page5739 / 403
Map ReferenceMB 16 PG 69
Instrument DateJun 3, 2020
Instrument2020077720
Transaction TypeTransfer
Record UpdatedFeb 6, 2021
Title CompanyADS TITLE & SETTLEMENT LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1907 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number5739405
DateJun 17, 2020
Instrument5739/405
Lender
NameEQUITY PRIME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2050

October 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address1907 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number0052340184
Book / Page005234 / 000184
Instrument DateOct 27, 2017
Transaction TypeMortgage
Record UpdatedNov 28, 2017

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1907 LAZY OAKS LOOP ST CLOUD FL 347718850, ST CLOUD, FL 34771-8850

Mortgage

Document Number0052340184
DateNov 2, 2017
Book Page005234/000184
Instrument157429
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,826.00 (+5.2%)$265,631 (+5.99%)$415,400 (+1.86%) Land $95,000 Building $320,400
2024$3,637.00 (+2.13%)
2023$3,561.00 (+4.24%) Homeowner's exemption$250,627 (+3%)$407,800 (+19.27%) Land $95,000 Building $312,800
2022$3,416.00 Homeowner's exemption$243,328$341,900 Land $65,000 Building $276,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 RiskModerate
above 44% of the US · lower than 85% of Florida
Wildfire Likelihood0.07% annual chance
ExposureIndirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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