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5103 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5103 Lazio St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,214 sqft · built 2018
Lot Size0.15 acres (6,534 sqft)
OwnerIndividual Name on File
Last Sale$280,184 (Feb 2018)
Tax Bill$712 (2025)
Deeds & MortgagesOct 2020 Mortgage
Feb 2018 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202531505100010110

Property Details

APN / Parcel Number

Primary APN202531505100010110

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,214 sqft Heated Area
Gross Area2,984 sqft
1st Floor Area2,214 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,534 sqft (0.15 acres)
Garage TypeFinished
Garage Area507 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area263 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5103 LAZIO ST
CitySAINT CLOUD
StateFL
Zip34771-9111
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTONEWOOD ESTATES PB 24 PGS 143-148 LOT 11
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionSTONEWOOD ESTATES
Legal Tract5051
Legal Lot Number11
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3023
Census Tract43700

Owner

Source: Osceola County records · APN 202531505100010110

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5103 LAZIO ST, SAINT CLOUD, FL 34771-9111
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 12, 2020Deed of Trust, Mortgage · VA Mortgage
HAMILTON HM LNS INC
Feb 12, 2018Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 12, 2018 · Amount on Record
Deed SaleFeb 12, 2018 · Amount on Record
Deed Document Number2018023665
Deed Book / Page5284 / 0251
Record UpdatedJun 08, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5103 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number0058291892
Instrument DateOct 12, 2020
Transaction TypeMortgage
Record UpdatedNov 25, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5103 LAZIO ST ST CLOUD FL 347719111, ST CLOUD, FL 34771-9111

Mortgage

Document Number0058291892
DateNov 09, 2020
Book Page005829/001892
Instrument153157
Lender
NameHAMILTON HM LNS INC
AddressSUNRISE, FL 33323
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 08, 2050

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 12, 2018
Property Address5103 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number0052840251
Book / Page5284 / 0251
Map ReferenceMB24 PG143-148
Instrument DateFeb 09, 2018
Instrument2018023665
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,961.40
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4776 NEW BROAD ST STE 150, 4776, ORLANDO, FL 32814-6407

Transferred To (Grantee/Buyer)

NameVerified Name
Address5103 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number2018023666
DateFeb 12, 2018
Instrument2018023666
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$288,442 (+5.99%)$383,200 (+4.96%) Land $70,000 Building $313,200
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$272,149 (+3%)$365,100 (+26.38%) Land $60,000 Building $305,100
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$264,223$288,900 Land $50,000 Building $238,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 70 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 in force

Wildfire

Wildfire RiskModerate
above 58% of the US · above 30% of Florida
Wildfire LikelihoodAbout 1 in 680 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 293 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20

May also be available at this address: Xfinity, Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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