Osceola County property record for 2023 Live Oak Blvd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,257 sqft · built 1999 |
| Lot Size | 0.575 acres (25,047 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $20,000 (Jun 1996) |
| Tax Bill | $2,828 (2025) |
| Deeds & Mortgages | May 2017 Line of Credit Mar 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 08-26-31-3959-0001-0020 |
| Primary APN | 08-26-31-3959-0001-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,257 sqft Living Area |
| Gross Area | 3,238 sqft |
| 1st Floor Area | 1,841 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 1999 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 25,047 sqft (0.575 acres) |
| Garage Type | Attached |
| Garage Area | 520 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 477 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2023 LIVE OAK BLVD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8404 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS1 |
| Legal Description | LIVE OAK ESTATES PB 7 PG 82-83 LOT 2 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 08 |
| Legal Subdivision | LIVE OAK ESTATES |
| Legal Tract | 3959 |
| Legal Block | 20 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 43301 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 2023 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| May 11, 2017 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 7, 2017 | Quit Claim Deed ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 10, 1996 · Amount on Record |
| Deed Sale | Jun 10, 1996 · Amount on Record |
| Deed Book / Page | 1330 / 2032 |
| Prior Transfer Date | Jun 4, 1996 |
| Prior Transfer Doc | 1330002032 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2023 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0051462098 |
|---|---|
| Date | May 11, 2017 |
| Book Page | 5146/2098 |
| Instrument | 2017069623 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 443 Months |
| Due | Apr 26, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 7, 2017 |
| Property Address | 2023 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404 |
| Document Number | 0051130933 |
| Book / Page | 005113 / 000933 |
| Instrument Date | Mar 1, 2017 |
| Instrument | 36113 |
| Record Updated | Apr 11, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 2023 LIVE OAK BLVD ST CLOUD FL 347718404, ST CLOUD, FL 34771-8404 |
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 | $2,828.00 (+7.2%) Homeowner's exemption | $164,866 (+5.99%) | $335,900 (+3.04%) Land $65,000 Building $270,900 |
| 2024 | $2,638.00 (+3.9%) | ||
| 2023 | $2,539.00 Homeowner's exemption | $155,554 | $326,000 Land $60,000 Building $266,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 173 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 173 in force |
| Nearby Flood Claims | 14 (1987–2022) |
| Claims Outside the SFHA | 2 of 14 |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 53% of the US · lower than 75% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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 145 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Verizon, Xfinity.
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