511 Lakeshore Blvd, Saint Cloud, FL 34769 Property Records

Osceola County property record for 511 Lakeshore Blvd, Saint Cloud, FL 34769 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,813 sqft · built 1959
Lot Size	0.43 acres (18,730 sqft)
Owner	2 Individual Names on File
Last Sale	$357,500 (Aug 2018)
Tax Bill	$4,993 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2018 Sale & Mortgage + 4 more
Flood Zone	Zone AE (high risk)
APN	`01-26-30-0650-0001-0370`

Property Details

APN / Parcel Number

Primary APN	`01-26-30-0650-0001-0370`
Alternative APNs	`263001065000010370` `80693`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,813 sqft Living Area
Gross Area	4,018 sqft
1st Floor Area	2,813 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1980
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	18,730 sqft (0.43 acres)
Lot Dimensions	300 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	717 sqft
Deck Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	511 LAKESHORE BLVD
City	SAINT CLOUD
State	FL
Zip	34769-2453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ST CLOUD BLVD LOTS COM AT NW COR OF LOT 37, N 79 DEG E 102.02 FT, S 198.52 FT, W 99.91 FT, N 178.21 FT TO POB
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	LAKE FRONT ADD TO TOWN OF ST CLOUD
Legal Tract	650
Legal Block	370
Legal Lot Number	37
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	43500

Owner

Source: Osceola County records · APN 01-26-30-0650-0001-0370

Assessment roll updated November 26, 2025 · Last verified April 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 File
Mailing Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 01, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Aug 31, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU
Jul 12, 2018	Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FIN'L
Jul 18, 2018	Grant Deed, Transfer STEWART TITLE
Sep 26, 2017	Warranty Deed, Transfer · Conventional Mortgage ZPD LLC
Feb 28, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 31, 2018 · Amount on Record
Deed Sale	Aug 31, 2018 · Amount on Record
Prior Sale	Sep 26, 2017 · Amount on Record
Deed Document Number	2018132888
Deed Book / Page	5394 / 2881
Prior Transfer Date	Feb 24, 2016
Prior Transfer Doc	0049612982
Record Updated	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Document Number	0057471299
Instrument Date	Jul 01, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 LAKESHORE BLVD ST CLOUD FL 347692453, ST CLOUD, FL 34769-2453

Mortgage

Document Number	0057471299
Date	Jul 01, 2020
Book Page	005747/001299
Instrument	84983

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2018
Property Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Document Number	0053942881
Book / Page	005394 / 002881
Instrument Date	Aug 30, 2018
Instrument	132888
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	CORE TITLE SERVICES LLC, CORE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,502.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	511 LAKESHORE BLVD ST CLOUD FL 347692453, ST CLOUD, FL 34769-2453

Mortgage

Document Number	53942883
Date	Aug 31, 2018
Book Page	005394/002883
Instrument	132889

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2048

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Document Number	0053691432
Instrument Date	Jul 12, 2018
Transaction Type	Mortgage
Record Updated	Aug 09, 2018
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8215 MEGAN PLACE DR HOUSTON TX 770952993, HOUSTON, TX 77095-2993

Mortgage

Document Number	0053691432
Date	Jul 18, 2018
Book Page	005369/001432
Instrument	109916

Lender

Name	CHRISTENSEN FIN'L
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2018
Property Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Document Number	0053691427
Book / Page	005369 / 001427
Instrument Date	Jul 10, 2018
Instrument	109913
Transaction Type	Transfer
Record Updated	Nov 21, 2018
Title Company	STEWART TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1136 NEW YORK AVE ST CLOUD FL 347693782, ST CLOUD, FL 34769-3782

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2017
Property Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Document Number	0052130132
Book / Page	005213 / 000132
Instrument Date	Sep 22, 2017
Instrument	136088
Transaction Type	Transfer
Record Updated	Nov 08, 2017
Title Company	QUALITY TITLE AND ESCROW LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,554.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	813 NEW YORK AVE ST CLOUD FL 347693359, ST CLOUD, FL 34769-3359

Mortgage

Document Number	52130134
Date	Sep 26, 2017
Book Page	005213/000134
Instrument	136089

Lender

Name	ZPD LLC
Address	1627 E VINE ST # E, KISSIMMEE, FL 34744-3719

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2017
Property Address	511 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453
Document Number	0051082948
Book / Page	005108 / 002948
Instrument Date	Mar 15, 2016
Instrument	32025
Transaction Type	Transfer
Record Updated	Apr 10, 2017

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2206 SUNRISE DR SEBRING FL 338722038, SEBRING, FL 33872-2038

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
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	$4,993.00 (+3.42%) Homeowner's exemption	$321,865 (+5.99%)	$465,200 (+22.13%) Land $90,000 Building $375,200
2024	$4,828.00 (+2.51%)
2023	$4,710.00 (+3.43%) Homeowner's exemption	$303,684 (+3%)	$380,900 (+17.24%) Land $90,000 Building $290,900
2022	$4,554.00 Homeowner's exemption	$294,839	$324,900 Land $85,000 Building $239,900

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 120970435003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 40 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	3 (1995–2022)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 3,125 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 330 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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