Osceola County property record for 2104 Live Oak Lake Rd, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,144 sqft · built 2022 |
| Lot Size | 0.219 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Last Sale | $455,000 (Jun 2022) |
| Tax Bill | $5,812 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 082631397500012680 |
| Primary APN | 082631397500012680 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,144 sqft Heated Area |
| Gross Area | 2,854 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,583 sqft (0.219 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 290 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2104 LIVE OAK LAKE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8434 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LIVE OAK LAKE PH 3 PB 30 PGS 1-5 LOT 268 |
| Legal Subdivision | LIVE OAK LAKE PHS 1 2 & 3 |
| Legal Phase | 3 |
| Legal Lot Number | 268 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 43301 |
2104 Live Oak Lake Rd is owned and occupied by an individual who bought it in June 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 9858 NAMASTE LOOP APT 3302, 3302, ORLANDO, FL 32836-5540 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 9, 2022 · Amount on File |
| Deed Sale | Jun 9, 2022 · Amount on File |
| Deed Document Number | 2022090413 |
| Deed Book / Page | 6230 / 349 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 9, 2022 |
| Property Address | 2104 LIVE OAK LAKE RD, SAINT CLOUD, FL 34771-8434 |
| Document Number | 0062300349 |
| Book / Page | 6230 / 349 |
| Map Reference | MB 30 PG 1-5 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 2022090413 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,185.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2104 LIVE OAK LAKE RD, SAINT CLOUD, FL 34771-8434 |
| Document Number | 0006230351 |
|---|---|
| Date | Jun 9, 2022 |
| Instrument | 6230/351 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2052 |
The 2025 property tax bill for 2104 Live Oak Lake Rd was $5,812 with a homeowner's exemption.
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 | $5,812.00 Homeowner's exemption | $367,600 Land $78,800 Building $288,800 | $367,600 Land $78,800 Building $288,800 |
| 2023 | $5,084.00 (+260.06%) Homeowner's exemption | $359,700 (+470.95%) Land $68,200 Building $291,500 | $359,700 (+470.95%) Land $68,200 Building $291,500 |
| 2022 | $1,412.00 | $63,000 Land $63,000 | $63,000 Land $63,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2104 Live Oak Lake Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 2104 Live Oak Lake Rd is high, ranking above 72% of the US, with a 0.3% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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 271 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Verizon.
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