Osceola County property record for 2074 Live Oak Blvd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,575 sqft · built 1996 |
| Lot Size | 0.51 acres (22,259 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Sep 2017) |
| Tax Bill | $3,516 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Sep 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 96788 |
| Primary APN | 96788 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,575 sqft Heated Area |
| Gross Area | 2,340 sqft |
| 1st Floor Area | 1,575 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,259 sqft (0.51 acres) |
| Lot Dimensions | 225 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 483 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 282 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 96788 |
|---|---|
| Street Address | 2074 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 | FOX RUN PB 8 PG 51-52 LOT 24 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 08 |
| Legal Subdivision | LIVE OAK ESTATES |
| Legal Tract | 3224 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 43301 |
2074 Live Oak Blvd is owned and occupied by an individual who bought it in September 2017.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2074 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 16, 2022 | Deed of Trust, Mortgage · Commercial Mortgage UNISON AGREEMENT CORP |
| Sep 26, 2017 | Warranty Deed, Transfer · Conventional Mortgage COMMERCE NATIONAL BANK & TRUST |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2017 · Amount on File |
| Deed Sale | Sep 26, 2017 · Amount on File |
| Prior Sale | May 7, 1996 · Amount on File |
| Deed Document Number | 2017135844 |
| Deed Book / Page | 5212 / 2330 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2074 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2074 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Document Number | 0061520865 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 6152/865 |
| Instrument | 2022026314 |
| Name | UNISON AGREEMENT CORP |
|---|---|
| Type | Non-Lending Institution |
| Address | SAN FRANCISCO, CA 94108 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 26, 2017 |
| Property Address | 2074 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Document Number | 0052122330 |
| Book / Page | 5212 / 2330 |
| Map Reference | MB8 PG51&52 |
| Instrument Date | Sep 13, 2017 |
| Instrument | 2017135844 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2074 LIVE OAK BLVD, 2074, SAINT CLOUD, FL 34771-8441 |
| Name | Verified Name |
|---|---|
| Address | 2074 LIVE OAK BLVD, SAINT CLOUD, FL 34771-8441 |
| Document Number | 0052122331 |
|---|---|
| Date | Sep 26, 2017 |
| Instrument | 5212/2331 |
| Name | COMMERCE NATIONAL BANK & TRUST |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2047 |
The 2025 property tax bill for 2074 Live Oak Blvd was $3,516 with a homeowner's exemption.
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 | $3,516.00 Homeowner's exemption | $212,627 | $265,700 Land $65,000 Building $200,700 |
| 2023 | $3,180.00 (+4.16%) Homeowner's exemption | $200,617 (+3%) | $257,200 (+15.39%) Land $60,000 Building $197,200 |
| 2022 | $3,053.00 Homeowner's exemption | $194,774 | $222,900 Land $55,000 Building $167,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2074 Live Oak Blvd in Zone X, an area of minimal flood risk, though there have been 14 flood claims nearby since 1987.
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 File 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.
Wildfire risk around 2074 Live Oak Blvd is moderate, ranking above 53% of the US, with a 0.1% annual chance of 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.
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 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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