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2038 Live Oak Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2038 Live Oak Blvd, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,005 sqft · built 1997
Lot Size0.523 acres (22,781 sqft)
Owner2 Individual Names on Record
Last Sale$331,900 (Dec 2020)
Tax Bill$4,431 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Feb 2018 Transfer
Flood ZoneZone X (minimal risk)
APN08-26-31-3959-0001-0150

Property Details

APN / Parcel Number

Primary APN08-26-31-3959-0001-0150
Alternative APNs
  • 263108395900010150
  • 96835

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,005 sqft Living Area
Gross Area2,886 sqft
1st Floor Area2,005 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1997
Effective Year BuiltEffective 1997
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,781 sqft (0.523 acres)
Garage TypeAttached
Garage Area483 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area364 sqft
PorchFinished/Open Porch
Porch Area398 sqft
Deck Area384 sqft
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2038 LIVE OAK BLVD
CitySAINT CLOUD
StateFL
Zip34771-8441
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeORS1
Legal DescriptionLIVE OAK ESTATES PB 7 PG 82-83 LOT 15
Legal Range31E
Legal Township26S
Legal Section08
Legal SubdivisionLIVE OAK ESTATES
Legal Tract3959
Legal Block150
Legal Lot Number15
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1012
Census Tract43301

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 Record2 Individual Names on Record
Mailing Address2038 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 10, 2020Warranty Deed, Transfer · Conventional Mortgage
CALIBER HOME LOANS INC
Feb 23, 2018Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 10, 2020 · Amount on Record
Deed SaleDec 10, 2020 · Amount on Record
Prior SaleJul 14, 2004 · Amount on Record
Deed Document Number2020167877
Deed Book / Page5848 / 2675
Prior Transfer DateJan 29, 2018
Prior Transfer Doc0052912070
Record UpdatedJun 8, 2026

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 10, 2020
Property Address2038 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441
Document Number0058482675
Book / Page5848 / 2675
Map ReferenceMB 7 PG 82&83
Instrument DateDec 8, 2020
Instrument2020167877
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,323.30
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3125 VEST RD, 3125, SAINT CLOUD, FL 34772-7547

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2038 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441

Mortgage

Document Number0058482679
DateDec 10, 2020
Book Page5848/2679
Instrument2020167880
Lender
NameCALIBER HOME LOANS INC
TypeMortgage Company
AddressCOPPELL, TX 75019
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2051

February 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateFeb 23, 2018
Property Address2038 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441
Document Number0052912070
Book / Page005291 / 002070
Instrument DateJan 29, 2018
Instrument32583
Transaction TypeTransfer
Record UpdatedMar 12, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address2038 LIVE OAK BLVD ST CLOUD FL 347718441, ST CLOUD, FL 34771-8441

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,431.00 (+6.57%) Homeowner's exemption$276,155 (+5.99%)$321,300 (+3.71%) Land $65,000 Building $256,300
2024$4,158.00 (+3.13%)
2023$4,032.00 (+3.89%) Homeowner's exemption$260,557 (+3%)$309,800 (+15.17%) Land $60,000 Building $249,800
2022$3,881.00 Homeowner's exemption$252,968$269,000 Land $55,000 Building $214,000

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 173 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 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 RiskModerate
above 59% of the US · lower than 67% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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