2395 Lakota Ln, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2395 Lakota Ln, Saint Cloud, FL 34769

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 2,128 sqft · built 1983
Lot Size	0.189 acres (8,233 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Feb 2019)
Tax Bill	$4,761 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`84110`

Property Details

APN / Parcel Number

Primary APN	`84110`
Alternative APNs	`112630061600010430` `112630359200010430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,128 sqft Heated Area
1st Floor Area	1,456 sqft
Flooring	Tile
Interior Walls	Paneling

Exterior

Year Built	Built 1983
Effective Year Built	Effective 2000
Architectural Style	Mobile/Manufactured
Exterior Material	Aluminum Siding
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,233 sqft (0.189 acres)
Lot Dimensions	117 ft deep x 70 ft wide
Garage Type	Carport
Carport	Carport
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	672 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	84110
Old Parcel Number	112630359200010430
Street Address	2395 LAKOTA LN
City	SAINT CLOUD
State	FL
Zip	34769-6404
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	SMH2
Legal Description	KANUGA VILL MOBILE HOME PK PHASE II PB 4 PG 30 LOT 43
Legal Range	30E
Legal Township	26S
Legal Section	11
Legal Subdivision	KANUGA VLG MHP PHS 1
Legal Phase	2
Legal Tract	616
Legal Block	1
Legal Lot Number	43
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2057
Census Tract	43303

Owner

2395 Lakota Ln, a mobile home, is owned and occupied by an individual who bought it in February 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	2395 LAKOTA LN, SAINT CLOUD, FL 34769-6404
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2019	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Jul 21, 2017	Deed of Trust, Mortgage · Line of Credit CENTERSTATE BK/FL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2019 · Amount on File
Deed Sale	Feb 21, 2019 · Amount on File
Prior Sale	Dec 19, 2005 · Amount on File
Deed Document Number	2019022472
Deed Book / Page	5480 / 1895
Record Updated	Jun 8, 2026

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2019
Property Address	2395 LAKOTA LN, SAINT CLOUD, FL 34769-6404
Document Number	0054801895
Book / Page	5480 / 1895
Map Reference	MB 4 PG 30
Instrument Date	Feb 19, 2019
Instrument	2019022472
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST ADVANTAGE TTL PARTNERS

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$980.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	277 ROUND MOUNTAIN LOOP, 277, MADISON HEIGHTS, VA 24572-4233

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2395 LAKOTA LN, SAINT CLOUD, FL 34769-6404

Mortgage

Document Number	2019022473
Date	Feb 21, 2019
Instrument	2019022473

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2395 LAKOTA LN, SAINT CLOUD, FL 34769-6404
Document Number	0051930285
Book / Page	005193 / 000285
Instrument Date	Jul 21, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	651 ROSEDALE AVE ST CLOUD FL 347693075, ST CLOUD, FL 34769-3075

Mortgage

Document Number	0051930285
Date	Aug 11, 2017
Book Page	005193/000285
Instrument	116185

Lender

Name	CENTERSTATE BK/FL
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2395 Lakota Ln was $4,761.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,761.00	$230,600 Land $50,000 Building $180,600	$230,600 Land $50,000 Building $180,600
2023	$2,903.00 (+20.81%)	$221,300 (+40.06%) Land $35,000 Building $186,300	$221,300 (+40.06%) Land $35,000 Building $186,300
2022	$2,403.00	$158,000 Land $26,000 Building $132,000	$158,000 Land $26,000 Building $132,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2395 Lakota Ln in Zone X, an area of minimal flood risk.

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 38 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	38 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.

Wildfire

Wildfire risk around 2395 Lakota Ln is low, with a 0.07% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · lower than 89% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

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 205 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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