2025 Live Oak Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2025 Live Oak Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,900 sqft · built 1995
Lot Size	0.599 acres (26,092 sqft)
Owner	2 Individual Names on Record
Last Sale	$254,000 (Jun 2015)
Tax Bill	$4,127 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-26-31-3959-0001-0030`

Property Details

APN / Parcel Number

Primary APN	`08-26-31-3959-0001-0030`
Alternative APNs	`263108395900010030` `96819`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,900 sqft Living Area
Gross Area	2,804 sqft
1st Floor Area	1,900 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2005
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,092 sqft (0.599 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	400 sqft
Utility Building	520 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2025 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 3
Legal Range	31E
Legal Township	26S
Legal Section	08
Legal Subdivision	LIVE OAK ESTATES
Legal Tract	3959
Legal Block	30
Legal Lot Number	3
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43301

Owner

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 Individual Names on Record
Mailing Address	2025 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU
Jun 11, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Mar 2, 2018	Loan Modification, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2015 · Amount on Record
Deed Sale	Jun 30, 2015 · Amount on Record
Prior Sale	Mar 30, 2011 · Amount on Record
Deed Document Number	201592737
Deed Book / Page	4801 / 1886
Prior Transfer Date	Feb 9, 2006
Prior Transfer Doc	0030832447
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2025 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	ALOMA TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404

Mortgage

Document Number	0061112629
Date	Dec 20, 2021
Book Page	6111/2629
Instrument	2021196100

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2025 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2025 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404

Mortgage

Document Number	0059790625
Date	Jun 11, 2021
Book Page	5979/625
Instrument	2021091232

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	298 Months
Due	Apr 1, 2046

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2025 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Document Number	0053202933
Instrument Date	Mar 2, 2018
Transaction Type	Mortgage
Record Updated	May 24, 2018
Title Company	TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2025 LIVE OAK BLVD ST CLOUD FL 347718404, ST CLOUD, FL 34771-8404

Mortgage

Document Number	0053202933
Date	Apr 23, 2018
Book Page	005320/002933
Instrument	63248

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	336 Months
Due	Apr 22, 2046

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$4,127.00 (+6.64%) Homeowner's exemption	$255,059 (+5.99%)	$340,400 (+3.06%) Land $65,000 Building $275,400
2024	$3,870.00 (+3.23%)
2023	$3,749.00 (+3.97%) Homeowner's exemption	$240,652 (+3%)	$330,300 (+16.02%) Land $60,000 Building $270,300
2022	$3,606.00 Homeowner's exemption	$233,643	$284,700 Land $55,000 Building $229,700

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

Flood

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	Hurricane Irma, Sep 2017 · 8 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

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.

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 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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