2037 Live Oak Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2037 Live Oak Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,786 sqft · built 1995
Lot Size	0.59 acres (25,700 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Jul 2026)
Tax Bill	$2,902 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-26-31-3959-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`08-26-31-3959-0001-0090`
Alternative APNs	`263108395900010090` `96825`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,786 sqft Living Area
Gross Area	2,652 sqft
1st Floor Area	1,786 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,700 sqft (0.59 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	36 sqft
Porch	Florida Room
Porch Area	386 sqft
Deck Area	855 sqft
Shed	1 Shed
Shed Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2037 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 9
Legal Range	31E
Legal Township	26S
Legal Section	08
Legal Subdivision	LIVE OAK ESTATES
Legal Tract	3959
Legal Block	90
Legal Lot Number	9
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 July 21, 2026

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	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 9, 2026	Warranty Deed, Transfer · Conventional Mortgage TRUST BANK
Oct 12, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2026 · Amount on Record
Deed Sale	Jul 9, 2026 · Amount on Record
Deed Document Number	202689967
Deed Book / Page	7001 / 1436
Prior Transfer Date	Oct 11, 2023
Prior Transfer Doc	0064881547
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2026
Property Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Document Number	0000089967
Book / Page	7001 / 1436
Instrument Date	Jul 7, 2026
Instrument	202689967
Transaction Type	Transfer
Record Updated	Sep 21, 2026
Title Company	STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$282,800.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Investor	Possibly a Property Investor

Mortgage

Document Number	0000089968,
Date	Jul 9, 2026
Instrument	202689968

Lender

Name	TRUST BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 12, 2023
Property Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Document Number	0064881547
Book / Page	6488 / 1547
Map Reference	MB 7 PG 82&83
Instrument Date	Oct 11, 2023
Instrument	2023134335
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2037 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8404

Mortgage

Document Number	0057901836
Date	Sep 9, 2020
Book Page	5790/1836
Instrument	2020120316

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 1, 2035

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	$2,902.00 (+7.12%)	$170,023 (+5.99%)	$299,800 (+3.67%) Land $65,000 Building $234,800
2024	$2,709.00 (+6.78%)
2023	$2,537.00 (+1.85%) Homeowner's exemption Widower's exemption	$160,420 (+3%)	$289,200 (+14.31%) Land $60,000 Building $229,200
2022	$2,491.00 Homeowner's exemption Widower's exemption	$155,748	$253,000 Land $55,000 Building $198,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% 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 223 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000

May also be available: CenturyLink, Verizon.

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