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1915 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1915 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,323 sqft · built 2005
Lot Size0.243 acres (10,585 sqft)
OwnerIndividual Name on File
Last Sale$150,000 (Dec 2011)
Tax Bill$2,722 (2025)
Deeds & MortgagesJan 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN17-25-31-3012-0001-1280

Property Details

APN / Parcel Number

Primary APN17-25-31-3012-0001-1280
Alternative APNs
  • 253117301200011280
  • 121481

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
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,585 sqft (0.243 acres)
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area256 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1915 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 128
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionEAST LAKE COVE PH 2
Legal Phase2
Legal Tract3012
Legal Block1
Legal Lot Number128
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

1915 Lazy Oaks Loop is owned and occupied by an individual who acquired it in November 2019.

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

Owner of RecordIndividual Name on File
Mailing Address1915 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 8, 2011 · Amount on File
Deed SaleDec 8, 2011 · Amount on File
Prior SaleAug 1, 2005 · Amount on File
Deed Document Number2011169085
Deed Book / Page4206 / 2346
Last Transfer DateNov 26, 2019
Transfer Doc0056520174
Record UpdatedJun 8, 2026

January 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJan 3, 2020
Property Address1915 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number0056520174
Book / Page5652 / 0174
Map ReferenceMB 16 PG 69
Instrument DateNov 26, 2019
Instrument2020001045
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyBOSTON NATIONAL TTL AGCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1915 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number0056520176
DateJan 3, 2020
Instrument5652/0176
Lender
NameSUNTRUST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueJan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1915 Lazy Oaks Loop was $2,722 with a homeowner's exemption, up 6% from the year before.

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$2,722.00 (+6%) Homeowner's exemption$185,895$411,900 Land $95,000 Building $316,900
2024$2,568.00 (+2.31%)
2023$2,510.00 (+4.8%) Homeowner's exemption$175,395 (+3%)$405,800 (+20.02%) Land $95,000 Building $310,800
2022$2,395.00 Homeowner's exemption$170,287$338,100 Land $65,000 Building $273,100

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

Flood

FEMA maps place 1915 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 1915 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 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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