5111 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5111 Lazio St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$407,000 (Apr 2025)
Tax Bill	$5,383 (2025)
Deeds & Mortgages	Apr 2025 Sale & Mortgage Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531505100010150`

Property Details

APN / Parcel Number

Primary APN	`202531505100010150`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,854 sqft Heated Area
Gross Area	2,385 sqft
1st Floor Area	1,854 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	63 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5111 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 15
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	15
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 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	5111 LAZIO ST, SAINT CLOUD, FL 34771-9111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2025	Warranty Deed, Transfer · FHA Mortgage KIND LENDING LLC
Sep 13, 2023	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Apr 4, 2018	Grant Deed, Subdivision Related Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 28, 2025 · Amount on Record
Deed Sale	Apr 28, 2025 · Amount on Record
Prior Sale	Sep 13, 2023
Deed Document Number	2025053121
Deed Book / Page	6777 / 2708
Record Updated	Jun 8, 2026

April 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 28, 2025
Property Address	5111 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0067772708
Book / Page	6777 / 2708
Map Reference	PL 24 PG 143
Instrument Date	Apr 14, 2025
Instrument	2025053121
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	SAINT LAWRENCE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,849.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5205 WATERSIDE VISTA LN, SAINT CLOUD, FL 34771-7801

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5111 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	0067772710
Date	Apr 28, 2025
Instrument	6777/2710

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2055

September 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 13, 2023
Property Address	5111 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0064731747
Book / Page	6473 / 1747
Map Reference	MB 24 PG 143
Instrument Date	Sep 9, 2023
Instrument	2023120770
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12010 ULETA LN, ORLANDO, FL 32827-7252

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	1010 ULETA LN, ORLANDO, FL 32827

April 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 4, 2018
Property Address	5111 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0053110513
Book / Page	005311 / 000513
Instrument Date	Mar 30, 2018
Instrument	52712
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 24, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,903.23
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5111 LAZIO ST ST CLOUD FL 347719111, ST CLOUD, FL 34771-9111

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	$5,383.00 (+13.37%)	$337,100 (+5.25%) Land $70,000 Building $267,100	$337,100 (+5.25%) Land $70,000 Building $267,100
2023	$4,748.00 (+15.08%)	$320,300 (+26.1%) Land $60,000 Building $260,300	$320,300 (+26.1%) Land $60,000 Building $260,300
2022	$4,126.00	$254,000 Land $50,000 Building $204,000	$254,000 Land $50,000 Building $204,000

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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