Osceola County property record for 1951 Lorraine Way, Saint Cloud, FL 34769 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2002 |
| Square Footage | 1,663 sqft Heated Area |
| Lot Size | 10,890 sqft (0.25 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $199,900 (2017) |
| Tax Bill | $5,176.00 (2025) |
| Primary APN | 85005 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,663 sqft Heated Area |
| Gross Area | 2,302 sqft Gross Area |
| 1st Floor | 1,663 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2002 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 10,890 sqft (0.25 acres) |
| Depth X Width | 120 ft x 90 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 400 sqft Garage |
| Porch | Open Porch |
| Porch Area | 239 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 85005 |
|---|---|
| Old Parcel Number | 142630398900010460 |
| Street Address | 1951 LORRAINE WAY |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5558 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LORRAINE ESTATES UNIT FOUR PB 11 PG 51 LOT 46 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | LORRAINE EST 1-4 |
| Legal Tract | 857 |
| Legal Block | 1 |
| Legal Lot Number | 46 |
| Legal Unit | FO |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
Source: Osceola County records · APN 85005
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 |
|---|---|
| Mailing Address | 1951 LORRAINE WAY, SAINT CLOUD, FL 34769-5558 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Nov 16, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 23, 2019 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Oct 23, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage HUD-HOUSING/URBAN DEV |
| Jun 26, 2017 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 26, 2017 · Amount on Record |
| Deed Sale | Jun 26, 2017 · Amount on Record |
| Deed Doc Number | 2017092296 |
| Deed Book / Page | 5169 / 0718 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1951 LORRAINE WAY, SAINT CLOUD, FL 34769-5558 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 1951 LORRAINE WAY, SAINT CLOUD, FL 34769-5558 |
| Document Number | 0065052750 |
|---|---|
| Date | Nov 16, 2023 |
| Book Page | 6505/2750 |
| Instrument | 2023150750 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Nov 01, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1951 LORRAINE WAY, SAINT CLOUD, FL 34769-5558 |
| Document Number | 0056281095 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1951 LORRAINE WAY ST CLOUD FL 347695558, ST CLOUD, FL 34769-5558 |
| Document Number | 0056281095 |
|---|---|
| Date | Nov 22, 2019 |
| Book Page | 005628/001095 |
| Instrument | 152361 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 21, 2049 |
| Rate | 4% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1951 LORRAINE WAY, SAINT CLOUD, FL 34769-5558 |
| Document Number | 0056271715 |
| Instrument Date | Oct 23, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1951 LORRAINE WAY ST CLOUD FL 347695558, ST CLOUD, FL 34769-5558 |
| Document Number | 0056271715 |
|---|---|
| Date | Nov 21, 2019 |
| Book Page | 005627/001715 |
| Instrument | 151685 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 20, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 26, 2017 |
| Property Address | 1951 LORRAINE WAY, SAINT CLOUD, FL 34769-5558 |
| Document Number | 0051690718 |
| Book / Page | 5169 / 0718 |
| Map Reference | MB11 PG51 |
| Instrument Date | Jun 16, 2017 |
| Instrument | 2017092296 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | A CLEAR CHOICE TITLE & ESCRO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,399.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2445 SILVERTHORN DR, 2445, CHARLOTTE, NC 28273-0037 |
| Name | Verified Name |
|---|
| Document Number | 0051690719 |
|---|---|
| Date | Jun 26, 2017 |
| Instrument | 5169/0719 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2047 |
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 | $5,176.00 (+15.66%) | $294,500 (+7.4%) Land $70,000 Building $224,500 | $294,500 (+7.4%) Land $70,000 Building $224,500 |
| 2023 | $4,475.00 (+15.1%) | $274,200 (+27%) Land $55,000 Building $219,200 | $274,200 (+27%) Land $55,000 Building $219,200 |
| 2022 | $3,888.00 | $215,900 Land $50,000 Building $165,900 | $215,900 Land $50,000 Building $165,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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; lenders make the official flood determination.
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