5109 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5109 Lazio St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,000 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$329,678 (Mar 2018)
Tax Bill	$3,579 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-5051-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5051-0001-0140`
Alternative APN	`253120505100010140`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,000 sqft Living Area
Gross Area	3,730 sqft
1st Floor Area	2,045 sqft
Upper Floors Area	955 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	16 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5109 LAZIO ST
City	SAINT CLOUD
State	FL
Zip	34771-9111
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEWOOD ESTATES PB 24 PGS 143-148 LOT 14
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Block	140
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3023
Census Tract	43700

Owner

Source: Osceola County records, as of October 12, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5109 LAZIO ST, SAINT CLOUD, FL 34771-9111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE EQUITY PARTNERS LLC
Mar 9, 2018	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2018 · Amount on Record
Deed Sale	Mar 9, 2018 · Amount on Record
Deed Document Number	201840146
Deed Book / Page	5299 / 467
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5109 LAZIO ST, SAINT CLOUD, FL 34771-9111
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	0057761871
Date	Aug 18, 2020
Book Page	5776/1871
Instrument	2020109009

Lender

Name	MORTGAGE EQUITY PARTNERS LLC
Type	Mortgage Company
Address	LYNNFIELD, MA 01940

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

March 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 9, 2018
Property Address	5109 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0052990467
Book / Page	5299 / 0467
Map Reference	MB24 PG143-148
Instrument Date	Mar 9, 2018
Instrument	2018040146
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,307.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4776 NEW BROAD ST STE 150, 4776, ORLANDO, FL 32814-6407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5109 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	2018040147
Date	Mar 9, 2018
Instrument	2018040147

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,579.00 (+7.61%) Homeowner's exemption	$247,801 (+5.99%)	$463,500 (+4.56%) Land $70,000 Building $393,500
2023	$3,326.00 (+4.36%) Homeowner's exemption	$233,804 (+3%)	$443,300 (+26.69%) Land $60,000 Building $383,300
2022	$3,187.00 Homeowner's exemption	$226,995	$349,900 Land $50,000 Building $299,900

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 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.

Wildfire

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

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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