2051 Live Oak Blvd, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2051 Live Oak Blvd, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,620 sqft · built 1995
Lot Size	0.664 acres (28,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$115,000 (Jan 2019)
Tax Bill	$3,500 (2025)
Deeds & Mortgages	Jun 2025 Line of Credit Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-26-31-3224-0001-0350`

Property Details

APN / Parcel Number

Primary APN	`08-26-31-3224-0001-0350`
Alternative APNs	`263108322400010350` `96799`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,620 sqft Living Area
Gross Area	3,990 sqft
1st Floor Area	2,620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	28,923 sqft (0.664 acres)
Lot Dimensions	243 ft deep x 124 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	5 Parking Spaces
Porch	Finished/Open Porch
Porch Area	60 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2051 LIVE OAK BLVD
City	SAINT CLOUD
State	FL
Zip	34771-8442
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS1
Legal Description	FOX RUN PB 8 PG 51-52 LOT 35
Legal Range	31E
Legal Township	26S
Legal Section	08
Legal Subdivision	FOX RUN
Legal Tract	3224
Legal Block	350
Legal Lot Number	35
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	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2025	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Sep 24, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 23, 2019	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING
Jan 3, 2019	Quit Claim Deed, Transfer · VA Mortgage RP FUNDING INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on Record
Deed Sale	Jan 3, 2019 · Amount on Record
Prior Sale	Sep 26, 2005 · Amount on Record
Deed Document Number	2019905
Deed Book / Page	5458 / 818
Prior Transfer Date	Dec 14, 2018
Prior Transfer Doc	0054580818
Record Updated	Jun 8, 2026

June 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442

Mortgage

Document Number	0067980934
Date	Jun 4, 2025
Book Page	6798/934
Instrument	2025069832

Lender

Name	TRUIST BANK
Type	Bank
Address	CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 16, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442

Mortgage

Document Number	0057991264
Date	Sep 24, 2020
Book Page	5799/1264
Instrument	2020127970

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442
Document Number	0056552681
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2051 LIVE OAK BLVD ST CLOUD FL 347718442, ST CLOUD, FL 34771-8442

Mortgage

Document Number	0056552681
Date	Jan 10, 2020
Book Page	005655/002681
Instrument	4842

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2019
Property Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442
Document Number	0054580818
Book / Page	5458 / 0818
Map Reference	MB 8 PG 51&52
Instrument Date	Dec 14, 2018
Instrument	2019000905
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$805.00
Amount Accuracy	Rounded by County
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2051 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8442

Mortgage

Document Number	2019000906
Date	Jan 3, 2019
Instrument	2019000906

Lender

Name	RP FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2049

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	$3,500.00 (+6.94%) Homeowner's exemption Veteran's exemption	$216,486 (+20.16%)	$377,800 (+10.27%) Land $65,000 Building $312,800
2024	$3,273.00 (+16.15%)
2023	$2,818.00 (+4.37%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$180,163 (+3%)	$342,600 (+15.9%) Land $60,000 Building $282,600
2022	$2,700.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$174,916	$295,600 Land $55,000 Building $240,600

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 56% of the US · lower than 71% 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 46 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Xfinity.

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