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1932 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1932 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,323 sqft · built 2004
Lot Size0.258 acres (11,282 sqft)
OwnerIndividual Name on Record
Last Sale$304,000 (Feb 2017)
Tax Bill$3,596 (2025)
Deeds & MortgagesFeb 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN121513

Property Details

APN / Parcel Number

Primary APN121513
Alternative APN
  • 172531301200011600

Interior

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

Exterior

Year BuiltBuilt 2004
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,282 sqft (0.258 acres)
Lot Dimensions125 ft deep x 90 ft wide
Garage TypeFinished
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area336 sqft
PorchOpen Porch
Porch Area256 sqft
Deck Area378 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number121513
Street Address1932 LAZY OAKS LOOP
CitySAINT CLOUD
StateFL
Zip34771-8854
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionEAST LAKE COVE PHASE 2 PB 16 PG 69 LOT 160
Legal Range31E
Legal Township25S
Legal Section17
Legal SubdivisionEAST LAKE COVE
Legal Phase2
Legal Tract3012
Legal Block1
Legal Lot Number160
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1002
Census Tract43600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1932 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 10, 2017 · Amount on Record
Deed SaleFeb 10, 2017 · Amount on Record
Prior SaleJan 8, 2005 · Amount on Record
Deed Document Number2017023455
Deed Book / Page5100 / 2819
Record UpdatedJun 8, 2026

February 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 10, 2017
Property Address1932 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854
Document Number0051002819
Book / Page5100 / 2819
Map ReferenceMB16 PG69
Instrument DateFeb 6, 2017
Instrument2017023455
Transaction TypeTransfer
Record UpdatedAug 1, 2022
Title CompanyGRACE TITLE INCORPORATED

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,128.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1700 WINDING RIDGE CIR SE, 1700, PALM BAY, FL 32909-2313

Transferred To (Grantee/Buyer)

NameVerified Name
Address1932 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854

Mortgage

Document Number0051002820
DateFeb 10, 2017
Instrument5100/2820
Lender
NameCERTIFIED MORTGAGE PLANNERS
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMar 1, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$3,596.00 (+7.63%) Homeowner's exemption$249,001 (+5.99%)$425,000 (+1.89%) Land $95,000 Building $330,000
2023$3,341.00 (+4.31%) Homeowner's exemption$234,936 (+3%)$417,100 (+19.14%) Land $95,000 Building $322,100
2022$3,203.00 Homeowner's exemption$228,094$350,100 Land $65,000 Building $285,100

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

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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