405 Lacy Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 405 Lacy Ct, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2012
Square Footage	2,411 sqft Heated Area
Lot Size	17,250 sqft (0.396 acres)
Occupancy	Owner Occupied
Last Sale	$360,000 (2019)
Tax Bill	$7,785.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`192531301400010520`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,411 sqft Heated Area
Gross Area	3,658 sqft Gross Area
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2012
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	17,250 sqft (0.396 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Finished Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	585 sqft Pool
Patio Area	448 sqft Patio
Porch	Open Porch
Porch Area	407 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	405 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 LOT 52 19 & 20-25-31
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Unit	ON
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1042
Census Tract	43600

Owner

Source: Osceola County records · APN 192531301400010520

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	Individual Name on File
Mailing Address	405 LACY CT, SAINT CLOUD, FL 34771-8274
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 21, 2019 · Amount on Record
Deed Sale	Jun 21, 2019 · Amount on Record
Prior Sale	Feb 02, 2011 · Amount on Record
Deed Doc Number	2019080312
Deed Book / Page	5545 / 1185
Record Refreshed	Jun 08, 2026

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$7,785.00 (+13.29%)	$513,900 (+4.92%) Land $75,000 Building $438,900	$513,900 (+4.92%) Land $75,000 Building $438,900
2023	$6,872.00 (+7.91%)	$489,800 (+5.49%) Land $60,000 Building $429,800	$489,800 (+5.49%) Land $60,000 Building $429,800
2022	$6,368.00	$464,300 Land $55,000 Building $409,300	$464,300 Land $55,000 Building $409,300

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

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.