Osceola County property record for 401 Lacy Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2005 |
| Square Footage | 2,395 sqft Heated Area |
| Lot Size | 12,240 sqft (0.28 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $287,000 (2014) |
| Tax Bill | $4,130.00 (2025) |
| Primary APN | 114002 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,395 sqft Heated Area |
| Gross Area | 3,653 sqft Gross Area |
| 1st Floor | 2,395 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 12,240 sqft (0.28 acres) |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 728 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Pool Area | 24 sqft Pool |
| Fence | Fence |
| Deck Area | 360 sqft Deck |
| Patio Area | 728 sqft Patio |
| Porch | 1 Porch |
| Porch Area | 447 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 114002 |
|---|---|
| Street Address | 401 LACY CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8274 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | EAST LAKE RESERVE AT NARCOOSSEE UNIT ONE PB 14 PGS 97-99 19, 20-25-31 LOT 54 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 19 |
| Legal Subdivision | EAST LAKE RESERVE AT NARCOOSSEE UNIT 2 |
| Legal Tract | 3014 |
| Legal Block | 1 |
| Legal Lot Number | 54 |
| Legal Unit | ON |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1042 |
| Census Tract | 43600 |
Source: Osceola County records · APN 114002
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Owner Name on File |
|---|---|
| Mailing Address | 401 LACY CT, SAINT CLOUD, FL 34771-8274 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jul 24, 2023 | Deed of Trust, Mortgage · Line of Credit PARTNERS FCU |
| Jul 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Oct 12, 2019 | Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC |
| Last Sale | Jul 29, 2014 · Amount on Record |
|---|---|
| Deed Sale | Jul 29, 2014 · Amount on Record |
| Prior Sale | Nov 22, 2004 · Amount on Record |
| Deed Doc Number | 2014107572 |
| Deed Book / Page | 4642 / 1611 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 401 LACY CT, SAINT CLOUD, FL 34771-8274 |
| Transaction Type | Mortgage |
| Record Updated | Aug 10, 2023 |
| Name | Verified Name |
|---|---|
| Address | 401 LACY CT, SAINT CLOUD, FL 34771-8274 |
| Document Number | 0064450191 |
|---|---|
| Date | Jul 24, 2023 |
| Book Page | 6445/191 |
| Instrument | 2023095288 |
| Name | PARTNERS FCU |
|---|---|
| Type | Credit Union |
| Address | ORLANDO, FL 32821 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 23, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 401 LACY CT, SAINT CLOUD, FL 34771-8274 |
| Transaction Type | Mortgage |
| Record Updated | Aug 03, 2023 |
| Name | Verified Name |
|---|---|
| Address | 401 LACY CT, SAINT CLOUD, FL 34771-8274 |
| Document Number | 0060110338 |
|---|---|
| Date | Jul 28, 2021 |
| Book Page | 6011/338 |
| Instrument | 2021116653 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Aug 01, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 401 LACY CT, SAINT CLOUD, FL 34771-8274 |
| Document Number | 0056082745 |
| Instrument Date | Oct 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 401 LACY CT ST CLOUD FL 347718274, ST CLOUD, FL 34771-8274 |
| Document Number | 0056082745 |
|---|---|
| Date | Oct 21, 2019 |
| Book Page | 005608/002745 |
| Instrument | 135642 |
| Name | SPRING EQ LLC |
|---|---|
| Address | PHILADELPHIA, PA 19104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 20, 2034 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,130.00 (+10.4%) Homeowner's exemption | $287,554 (+9.1%) | $465,700 (+7.23%) Land $75,000 Building $390,700 |
| 2023 | $3,741.00 (+4.18%) Homeowner's exemption | $263,566 (+3%) | $434,300 (+6%) Land $60,000 Building $374,300 |
| 2022 | $3,591.00 Homeowner's exemption | $255,890 | $409,700 Land $55,000 Building $354,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 59% of the US · above 32% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 599 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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