Osceola County property record for 1950 Lorraine Way, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,922 sqft · built 2003 |
| Lot Size | 0.262 acres (11,413 sqft) |
| Owner | Individual Name on File |
| Last Sale | $255,000 (Aug 2005) |
| Tax Bill | $1,855 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 84991 |
| Primary APN | 84991 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,922 sqft Heated Area |
| Gross Area | 2,718 sqft |
| 1st Floor Area | 1,922 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,413 sqft (0.262 acres) |
| Lot Dimensions | 134 ft deep x 85 ft wide |
| Garage Type | Finished |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 313 sqft |
| Patio Area | 220 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 84991 |
|---|---|
| Old Parcel Number | 142630398900010320 |
| Street Address | 1950 LORRAINE WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5557 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LORRAINE ESTATES UNIT FOUR PB 11 PG 51 LOT 32 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LORRAINE EST 1-4 |
| Legal Tract | 857 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Legal Unit | FO |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2028 |
| Census Tract | 43303 |
Source: Osceola County records · APN 84991
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1950 LORRAINE WAY, SAINT CLOUD, FL 34769-5557 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 19, 2023 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Aug 25, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Sep 01, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 19, 2005 · Amount on Record |
| Deed Sale | Aug 19, 2005 · Amount on Record |
| Prior Sale | Aug 25, 2003 · Amount on Record |
| Deed Document Number | 2005185894 |
| Deed Book / Page | 2874 / 0928 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1950 LORRAINE WAY, SAINT CLOUD, FL 34769-5557 |
| Transaction Type | Mortgage |
| Record Updated | May 03, 2023 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 1950 LORRAINE WAY, SAINT CLOUD, FL 34769-5557 |
| Document Number | 0063910281 |
|---|---|
| Date | Apr 19, 2023 |
| Book Page | 6391/281 |
| Instrument | 2023046762 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 08, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1950 LORRAINE WAY, SAINT CLOUD, FL 34769-5557 |
| Transaction Type | Mortgage |
| Record Updated | Sep 07, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1950 LORRAINE WAY, SAINT CLOUD, FL 34769-5557 |
| Document Number | 0060292087 |
|---|---|
| Date | Aug 25, 2021 |
| Book Page | 6029/2087 |
| Instrument | 2021132006 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 285 Months |
| Due | May 01, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1950 LORRAINE WAY, SAINT CLOUD, FL 34769-5557 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0057850079 |
|---|---|
| Date | Sep 01, 2020 |
| Book Page | 5785/79 |
| Instrument | 2020115695 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 295 Months |
| Due | Apr 01, 2045 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,855.00 (+7.16%) Homeowner's exemption | $146,529 (+5.99%) | $336,700 (+6.62%) Land $70,000 Building $266,700 |
| 2023 | $1,731.00 (+4.34%) Homeowner's exemption | $138,253 (+3%) | $315,800 (+27.03%) Land $55,000 Building $260,800 |
| 2022 | $1,659.00 Homeowner's exemption | $134,227 | $248,600 Land $50,000 Building $198,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 38 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 200 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Lumen Technologies | Fiber | 2,000 / 1,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: AT&T, Spectrum, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.
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