1947 Lazy Oaks Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1947 Lazy Oaks Loop, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,899 sqft · built 2005
Lot Size	0.244 acres (10,629 sqft)
Owner	Individual Name on File
Last Sale	$287,000 (Aug 2019)
Tax Bill	$2,748 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`121465`

Property Details

APN / Parcel Number

Primary APN	`121465`
Alternative APN	`172531301200011120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,899 sqft Heated Area
Gross Area	2,906 sqft
1st Floor Area	1,899 sqft
Flooring	Tile
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	10,629 sqft (0.244 acres)
Lot Dimensions	125 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	380 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Open Porch
Porch Area	222 sqft
Patio Area	405 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	121465
Street Address	1947 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 112
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	112
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

1947 Lazy Oaks Loop is owned and occupied by an individual who acquired it in March 2025.

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

Owner of Record	Individual Name on File
Mailing Address	1937 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
Jun 27, 2023	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Apr 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Aug 21, 2019	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Aug 21, 2019 · Amount on File
Deed Document Number	0055762532
Deed Book / Page	005576 / 002532
Last Transfer Date	Mar 28, 2025
Transfer Doc	0067611167
Record Updated	Jun 8, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1947 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Transaction Type	Mortgage
Record Updated	Jul 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1947 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850

Mortgage

Document Number	0064310367
Date	Jun 27, 2023
Book Page	6431/367
Instrument	2023082595

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 17, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1947 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0057100751
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1947 LAZY OAKS LOOP ST CLOUD FL 347718850, ST CLOUD, FL 34771-8850

Mortgage

Document Number	0057100751
Date	Apr 20, 2020
Book Page	005710/000751
Instrument	53411

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 19, 2050

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2019
Property Address	1947 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8850
Document Number	0055762532
Book / Page	005576 / 002532
Instrument Date	Aug 16, 2019
Instrument	108219
Transaction Type	Transfer
Record Updated	Aug 30, 2019
Title Company	FIRST SERVICE TITLE, FIRST SERVICE TITLE/FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,009.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1947 LAZY OAKS LOOP ST CLOUD FL 347718850, ST CLOUD, FL 34771-8850

Mortgage

Document Number	55762533
Date	Aug 21, 2019
Book Page	005576/002533
Instrument	108220

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 1947 Lazy Oaks Loop was $2,748 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	$2,748.00 Homeowner's exemption	$187,766	$393,600 Land $95,000 Building $298,600
2023	$2,535.00 Homeowner's exemption	$177,161	$388,500 Land $95,000 Building $293,500

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

Flood

FEMA maps place 1947 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	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 1947 Lazy Oaks Loop is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Lazy Oaks Loop

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