4912 Lazy Oaks Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4912 Lazy Oaks Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,837 sqft · built 2003
Lot Size	0.257 acres (11,238 sqft)
Owner	Individual Name on File
Last Sale	$385,000 (Jul 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`114434`

Property Details

APN / Parcel Number

Primary APN	`114434`
Alternative APN	`172531301100010070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,837 sqft Heated Area
Gross Area	3,790 sqft
1st Floor Area	2,515 sqft
Upper Floors Area	322 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,238 sqft (0.257 acres)
Lot Dimensions	132 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	655 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	336 sqft
Porch	Open Porch
Porch Area	298 sqft
Deck Area	564 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	114434
Street Address	4912 LAZY OAKS WAY
City	SAINT CLOUD
State	FL
Zip	34771-8843
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	EAST LAKE COVE PHASE 1 PB 14 PGS 110-111 LOT 7
Legal Range	31E
Legal Township	25S
Legal Section	17
Legal Subdivision	EAST LAKE COVE
Legal Phase	1
Legal Tract	3011
Legal Block	1
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	43600

Owner

Source: Osceola County assessment roll, as of July 1, 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
Co-owner	Verified Secondary Owner
Mailing Address	4912 LAZY OAKS WAY, SAINT CLOUD, FL 34771-8843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Warranty Deed, Transfer · VA Mortgage HOME AMERICA MORTGAGE INC
Dec 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Nov 23, 2015 · Amount on Record
Deed Document Number	2020098512
Deed Book / Page	5763 / 1434
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 28, 2020
Property Address	4912 LAZY OAKS WAY, SAINT CLOUD, FL 34771-8843
Document Number	0057631434
Book / Page	5763 / 1434
Map Reference	MB 14 PG 110&111
Instrument Date	Jul 24, 2020
Instrument	2020098512
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	TOWN SQUARE TITLE LTD

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	14609 ENGLERT ALY, 14609, ORLANDO, FL 32827-7879

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4912 LAZY OAKS WAY, SAINT CLOUD, FL 34771-8843

Mortgage

Document Number	0057631436
Date	Jul 28, 2020
Instrument	5763/1436

Lender

Name	HOME AMERICA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4912 LAZY OAKS WAY, SAINT CLOUD, FL 34771-8843
Document Number	0056501906
Instrument Date	Dec 26, 2019
Transaction Type	Mortgage
Record Updated	Jan 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4912 LAZY OAKS WAY ST CLOUD FL 347718843, ST CLOUD, FL 34771-8843

Mortgage

Document Number	0056501906
Date	Jan 2, 2020
Book Page	005650/001906
Instrument	34

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$364,646 (+5.99%)	$501,300 (+1.52%) Land $95,000 Building $406,300
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$344,049 (+3%)	$493,800 (+18.05%) Land $95,000 Building $398,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$334,029	$418,300 Land $65,000 Building $353,300

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

Flood

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 Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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

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

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Lumen Technologies DSL · Fiber in parts of the area	140 / 20
T-Mobile USA Fixed Wireless	100 / 20

May also be available: AT&T.

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