1934 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1934 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,560 sqft · built 2004
Lot Size	0.259 acres (11,282 sqft)
Owner	2 Individual Names on Record
Last Sale	$375,000 (Jul 2022)
Tax Bill	$4,259 (2025)
Deeds & Mortgages	Jul 2022 Sale May 2017 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17-25-31-3012-0001-1610`

Property Details

APN / Parcel Number

Primary APN	`17-25-31-3012-0001-1610`
Alternative APNs	`253117301200011610` `121514`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	3,340 sqft
1st Floor Area	2,560 sqft
Flooring	Tile
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	11,282 sqft (0.259 acres)
Lot Dimensions	125 ft deep x 90.3 ft wide
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	24 sqft
Porch	Finished/Open Porch
Porch Area	230 sqft
Deck Area	389 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1934 LAZY OAKS LOOP
City	SAINT CLOUD
State	FL
Zip	34771-8854
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 161
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LAKE COVE PH 2
Legal Phase	2
Legal Tract	3012
Legal Block	1610
Legal Lot Number	161
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	43600

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 Record	2 Individual Names on Record
Mailing Address	4850 SWEET CEDAR CIR, ORLANDO, FL 32829-8106
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2022	Warranty Deed, Transfer LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL
May 9, 2017	Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK
Sep 24, 2019	Deed of Trust, Mortgage · Conventional Mortgage IRA #8006970
Sep 29, 2017	Warranty Deed, Transfer PUBLIC TITLE SERVICES LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	Sep 29, 2017 · Amount on Record
Deed Document Number	2022112050
Deed Book / Page	6255 / 631
Prior Transfer Date	Dec 10, 2012
Prior Transfer Doc	0043700412
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 21, 2022
Property Address	1934 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854
Document Number	0062550631
Book / Page	6255 / 631
Map Reference	MB 16 PG 69
Instrument Date	Jul 13, 2022
Instrument	2022112050
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	LEADING EDGE TITLE PARTNERS/CTRL F, LEADING EDGE TTL OF CTRL FL

Transaction

Amount	Amount Recorded
Tax	$2,625.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	608 COUNTY ROAD 345, LEESBURG, AL 35983-5153

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4850 SWEET CEDAR CIR, ORLANDO, FL 32829-8106

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1934 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051442837
Date	May 9, 2017
Book Page	5144/2837
Instrument	2017067963

Lender

Name	SUNTRUST BANK
Type	Bank
Address	ORLANDO, FL 32809

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1934 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854
Document Number	0056002624
Instrument Date	Sep 24, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	TALON TITLE SERVICES LLC, TALON TITLE SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1934 LAZY OAKS LOOP ST CLOUD FL 347718854, ST CLOUD, FL 34771-8854

Mortgage

Document Number	0056002624
Date	Oct 4, 2019
Book Page	005600/002624
Instrument	128617

Lender

Name	IRA #8006970
Address	13191 STARKEY RD # 2, LARGO, FL 33773-1438

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2017
Property Address	1934 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854
Document Number	0052152841
Book / Page	005215 / 002841
Instrument Date	Sep 15, 2017
Instrument	139384
Transaction Type	Transfer
Record Updated	Nov 13, 2017
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Tax	$2,380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1934 LAZY OAKS LOOP ST CLOUD FL 347718854, ST CLOUD, FL 34771-8854

Tax Assessment & Valuation

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	$4,259.00 (+5.13%) Homeowner's exemption Senior Citizen's exemption	$308,977 (+5.99%)	$460,900 (+1.79%) Land $95,000 Building $365,900
2024	$4,051.00 (+2.19%)
2023	$3,964.00 (-32.88%) Homeowner's exemption Senior Citizen's exemption	$291,525 (-23.56%)	$452,800 (+18.72%) Land $95,000 Building $357,800
2022	$5,906.00	$381,400 Land $65,000 Building $316,400	$381,400 Land $65,000 Building $316,400

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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