Osceola County property record for 411 Lakeshore Blvd, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,144 sqft · built 1956 |
| Lot Size | 0.36 acres (15,682 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $202,000 (Jun 2016) |
| Tax Bill | $2,642 (2025) |
| Deeds & Mortgages | Oct 2022 Line of Credit Jun 2020 Line of Credit |
| Flood Zone | Zone AE (high risk) |
| APN | 80687 |
| Primary APN | 80687 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,144 sqft Heated Area |
| Gross Area | 1,556 sqft |
| 1st Floor Area | 1,144 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,682 sqft (0.36 acres) |
| Lot Dimensions | 155 ft deep x 100 ft wide |
| Garage Type | Finished |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 160 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 80687 |
|---|---|
| Street Address | 411 LAKESHORE BLVD |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS N 155 FT LOT 34 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | ST CLOUD BLVD |
| Legal Tract | 650 |
| Legal Block | 1 |
| Legal Lot Number | 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5015 |
| 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 | 411 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Jun 12, 2020 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 8, 2016 · Amount on Record |
| Deed Sale | Jun 8, 2016 · Amount on Record |
| Prior Sale | Sep 28, 2015 · Amount on Record |
| Deed Document Number | 2016086790 |
| Deed Book / Page | 4972 / 2778 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 411 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2452 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 411 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2452 |
| Document Number | 0063012590 |
|---|---|
| Date | Oct 19, 2022 |
| Book Page | 6301/2590 |
| Instrument | 2022154486 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 473 Months |
| Due | Mar 14, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 411 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2452 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057362843 |
|---|---|
| Date | Jun 12, 2020 |
| Book Page | 5736/2843 |
| Instrument | 2020075813 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, FL 34769 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 23, 2050 |
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 | $2,642.00 (+6.62%) Homeowner's exemption | $190,516 (+5.99%) | $287,800 (+17.47%) Land $90,000 Building $197,800 |
| 2023 | $2,478.00 (+3.9%) Homeowner's exemption | $179,755 (+3%) | $245,000 (+15.13%) Land $90,000 Building $155,000 |
| 2022 | $2,385.00 Homeowner's exemption | $174,520 | $212,800 Land $85,000 Building $127,800 |
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 63% of the US · lower than 89% of Florida |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
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