Osceola County property record for 2044 Live Oak Blvd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,328 sqft · built 1996 |
| Lot Size | 0.669 acres (29,185 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $485,000 (Jan 2022) |
| Tax Bill | $1,047 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 96833 |
| Primary APN | 96833 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,328 sqft Heated Area |
| Gross Area | 3,250 sqft |
| 1st Floor Area | 2,328 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 29,185 sqft (0.669 acres) |
| Garage Type | Finished |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 250 sqft |
| Deck Area | 586 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 96833 |
|---|---|
| Street Address | 2044 LIVE OAK BLVD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8441 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | ORS1 |
| Legal Description | LIVE OAK ESTATES PB 7 PG 82-83 LOT 13 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 08 |
| Legal Subdivision | LIVE OAK ESTATES |
| Legal Tract | 3959 |
| Legal Block | 1 |
| Legal Lot Number | 13 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43301 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 2044 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 26, 2022 | Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 4, 2022 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 4, 2022 · Amount on Record |
| Deed Sale | Jan 4, 2022 · Amount on Record |
| Prior Sale | May 25, 2000 · Amount on Record |
| Deed Document Number | 2022001725 |
| Deed Book / Page | 6122 / 464 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2044 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2533 AVENTURINE ST, KISSIMMEE, FL 34744-7208 |
| Document Number | 0062751168 |
|---|---|
| Date | Aug 26, 2022 |
| Book Page | 6275/1168 |
| Instrument | 2022130701 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 353 Months |
| Due | Jan 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 4, 2022 |
| Property Address | 2044 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Document Number | 0061220464 |
| Book / Page | 6122 / 464 |
| Map Reference | MB 7 PG 82&83 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 2022001725 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | NU WORLD TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,395.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3624 BAY CT, SAINT CLOUD, FL 34769-5906 |
| Name | Verified Name |
|---|---|
| Address | 2533 AVENTURINE ST, KISSIMMEE, FL 34744-7208 |
| Document Number | 0006122466 |
|---|---|
| Date | Jan 4, 2022 |
| Instrument | 6122/466 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
Source: Osceola County assessment roll, as of July 1, 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 | $1,047.00 (+16.2%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $334,267 (+5.99%) | $363,900 (+3.32%) Land $65,000 Building $298,900 |
| 2023 | $901.00 (+5.26%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $315,386 (+3%) | $352,200 (+15.02%) Land $60,000 Building $292,200 |
| 2022 | $856.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $306,200 Land $55,000 Building $251,200 | $306,200 Land $55,000 Building $251,200 |
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 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.
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 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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