Osceola County property record for 21 Lakeshore Blvd, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,722 sqft · built 2005 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Oct 2019) |
| Tax Bill | $3,359 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 80657 |
| Primary APN | 80657 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,722 sqft Heated Area |
| Gross Area | 2,336 sqft |
| 1st Floor Area | 1,722 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Lot Dimensions | 150 ft deep x 65 ft wide |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 174 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80657 |
|---|---|
| Street Address | 21 LAKESHORE BLVD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | GALION GARDENS PB 1 PG 140 N 150 FT OF E 65 FT OF LOT 21 01-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD BLVD |
| Legal Tract | 650 |
| Legal Block | 1 |
| Legal Lot Number | 1,21 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5005 |
| Census Tract | 43500 |
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 | 21 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Oct 22, 2019 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Mar 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HOMEWARD RESID'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2019 · Amount on Record |
| Deed Sale | Oct 22, 2019 · Amount on Record |
| Prior Sale | Mar 9, 2005 · Amount on Record |
| Deed Document Number | 2019136695 |
| Deed Book / Page | 5609 / 2953 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 21 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2534 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 21 LARKESHORE BLVD, SAINT CLOUD, FL 34769-2534 |
| Document Number | 0060192172 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 6019/2172 |
| Instrument | 2021123534 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 22, 2019 |
| Property Address | 21 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2534 |
| Document Number | 0056092953 |
| Book / Page | 5609 / 2953 |
| Instrument Date | Oct 17, 2019 |
| Instrument | 2019136695 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 45 TUNXIS ST, 45, FARMINGTON, CT 06032-2813 |
| Name | Verified Name |
|---|---|
| Address | 21 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2534 |
| Document Number | 0056092955 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 5609/2955 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 21 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2534 |
| Document Number | 0053060973 |
| Instrument Date | Mar 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2018 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES |
| Name | Verified Name |
|---|---|
| Address | 21 LAKESHORE BLVD ST CLOUD FL 347692534, ST CLOUD, FL 34769-2534 |
| Document Number | 0053060973 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 005306/000973 |
| Instrument | 47768 |
| Name | HOMEWARD RESID'L |
|---|---|
| Address | ADDISON, TX 75001 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,359.00 (+6.53%) Homeowner's exemption Disabled Person's exemption | $235,547 (+5.99%) | $351,000 (+24.73%) Land $75,000 Building $276,000 |
| 2023 | $3,153.00 (+1.06%) Homeowner's exemption Disabled Person's exemption | $222,242 (+3%) | $281,400 (+20.41%) Land $65,000 Building $216,400 |
| 2022 | $3,120.00 Homeowner's exemption Disabled Person's exemption | $215,769 | $233,700 Land $55,000 Building $178,700 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 51 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 51 in force |
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 | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
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 384 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures