Osceola County property record for 1948 Lazy Oaks Loop, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,455 sqft · built 2005 |
| Lot Size | 0.244 acres (10,628 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,000 (Aug 2012) |
| Tax Bill | $5,206 (2025) |
| Flood Zone | Zone X (moderate risk) |
| APN | 17-25-31-3012-0001-1650 |
| Primary APN | 17-25-31-3012-0001-1650 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,455 sqft Living Area |
| Gross Area | 4,663 sqft |
| 1st Floor Area | 2,726 sqft |
| Upper Floors Area | 729 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,628 sqft (0.244 acres) |
| Lot Dimensions | 125 ft deep x 85 ft wide |
| Garage Type | Attached |
| Garage Area | 618 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 348 sqft |
| Porch | Florida Room |
| Porch Area | 590 sqft |
| Patio Area | 624 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 1948 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 165 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 17 |
| Legal Subdivision | EAST LAKE COVE PH 2 |
| Legal Phase | 2 |
| Legal Tract | 3012 |
| Legal Block | 1650 |
| Legal Lot Number | 165 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43600 |
1948 Lazy Oaks Loop is owned and occupied by two individuals who acquired it in December 2012.
Source: Osceola County records, as of November 26, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1948 LAZY OAKS LOOP, SAINT CLOUD, FL 34771-8854 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 30, 2012 · Amount on File |
| Deed Sale | Aug 30, 2012 · Amount on File |
| Prior Sale | Jun 2, 2005 · Amount on File |
| Deed Document Number | 2012127057 |
| Deed Book / Page | 4316 / 717 |
| Last Transfer Date | Dec 6, 2012 |
| Transfer Doc | 0043722998 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 1948 Lazy Oaks Loop was $5,206 with a homeowner's exemption, up 4.7% from the year before.
Source: Osceola County assessment roll, as of November 26, 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 | $5,206.00 (+4.69%) Homeowner's exemption | $365,183 | $595,400 Land $95,000 Building $500,400 |
| 2024 | $4,973.00 (+2.07%) | ||
| 2023 | $4,872.00 (+3.88%) Homeowner's exemption | $344,556 (+3%) | $586,000 (+17.2%) Land $95,000 Building $491,000 |
| 2022 | $4,690.00 Homeowner's exemption | $334,521 | $500,000 Land $65,000 Building $435,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1948 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 1948 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.
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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