Osceola County property record for 1945 Lazy Oaks Loop, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,734 sqft · built 2004 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $285,000 (Nov 2014) |
| Tax Bill | $6,763 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 121466 |
| Primary APN | 121466 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,734 sqft Heated Area |
| Gross Area | 3,449 sqft |
| 1st Floor Area | 2,336 sqft |
| Upper Floors Area | 398 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,197 sqft (0.28 acres) |
| Garage Type | Finished |
| Garage Area | 360 sqft |
| Parking Spaces | 1 Parking Space |
| Pool Area | 336 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 355 sqft |
| Deck Area | 500 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 121466 |
|---|---|
| Street Address | 1945 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 113 |
| 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 | 113 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
The current owner of 1945 Lazy Oaks Loop bought it in November 2014.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 1904 PASSIFLORA LN, SAINT CLOUD, FL 34771-8855 |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2014 · Amount on File |
| Deed Sale | Nov 3, 2014 · Amount on File |
| Deed Document Number | 2014162742 |
| Deed Book / Page | 4690 / 0638 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1945 Lazy Oaks Loop was $6,763.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,763.00 | $453,700 Land $95,000 Building $358,700 | $453,700 Land $95,000 Building $358,700 |
| 2023 | $6,051.00 (+13.08%) | $445,100 (+18.82%) Land $95,000 Building $350,100 | $445,100 (+18.82%) Land $95,000 Building $350,100 |
| 2022 | $5,351.00 | $374,600 Land $65,000 Building $309,600 | $374,600 Land $65,000 Building $309,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1945 Lazy Oaks Loop in Zone X, an area of moderate 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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| 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 |
|
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 risk around 1945 Lazy Oaks Loop is moderate, ranking above 59% of the US, with a 0.2% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 59% of the US · lower than 67% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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