1927 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1927 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,773 sqft · built 2005
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Jun 2018)
Tax Bill	$3,261 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`121475`

Property Details

APN / Parcel Number

Primary APN	`121475`
Alternative APN	`172531301200011220`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,773 sqft Heated Area
Gross Area	2,621 sqft
1st Floor Area	1,773 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Garage Type	Finished
Garage Area	630 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	218 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	121475
Street Address	1927 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 122
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	122
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

1927 Lazy Oaks Loop is owned and occupied by an individual who bought it in June 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1927 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
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOWER LLC
Jun 5, 2018	Warranty Deed, Transfer · Conventional Mortgage CHRISTENSEN FINANCIAL INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2018 · Amount on File
Deed Sale	Jun 5, 2018 · Amount on File
Prior Sale	Jul 25, 2005 · Amount on File
Deed Document Number	2018087156
Deed Book / Page	5345 / 0887
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1927 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Transaction Type	Mortgage
Record Updated	Dec 28, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1927 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number	0061071859
Date	Dec 14, 2021
Book Page	6107/1859
Instrument	2021192720

Lender

Name	LOWER LLC
Type	Mortgage Company
Address	COLUMBIA, MD 21046

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 5, 2018
Property Address	1927 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0053450887
Book / Page	5345 / 0887
Map Reference	MB16 PG69
Instrument Date	Apr 12, 2018
Instrument	2018087156
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1538 SOFTSHELL ST, 1538, SAINT CLOUD, FL 34771-7518

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 WHITE MARSH CIR, ORLANDO, FL 32824-6089

Mortgage

Document Number	2018087157
Date	Jun 5, 2018
Instrument	2018087157

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1927 Lazy Oaks Loop was $3,261 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$3,261.00 Homeowner's exemption	$224,843	$359,500 Land $95,000 Building $264,500
2023	$3,023.00 (+4.49%) Homeowner's exemption	$212,143 (+3%)	$354,500 (+20.95%) Land $95,000 Building $259,500
2022	$2,893.00 Homeowner's exemption	$205,965	$293,100 Land $65,000 Building $228,100

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

Flood

FEMA maps place 1927 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 1927 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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