5115 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5115 Lazio St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,548 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$338,000 (Jun 2020)
Tax Bill	$5,124 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Feb 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`202531505100010170`

Property Details

APN / Parcel Number

Primary APN	`202531505100010170`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,548 sqft Heated Area
Gross Area	3,470 sqft
1st Floor Area	1,760 sqft
Upper Floors Area	788 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	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	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	49 sqft
Pool House	144 sqft
Porch	Open Porch
Porch Area	250 sqft
Deck Area	1,355 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5115 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 17
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	17
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	5115 LAZIO ST, SAINT CLOUD, FL 34771-9111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2020	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Feb 27, 2018	Special Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2020 · Amount on Record
Deed Sale	Jun 16, 2020 · Amount on Record
Prior Sale	Feb 27, 2018 · Amount on Record
Deed Document Number	2020077071
Deed Book / Page	5738 / 1162
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 16, 2020
Property Address	5115 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0057381162
Book / Page	5738 / 1162
Map Reference	MB 24 PG 143-148
Instrument Date	Jun 15, 2020
Instrument	2020077071
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,366.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 100797, PALM BAY, FL 32910-0797

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5115 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	57381164
Date	Jun 16, 2020
Instrument	5738/1164

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

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

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2018
Property Address	5115 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0052921431
Book / Page	5292 / 1431
Map Reference	MB24 PG143-148
Instrument Date	Feb 26, 2018
Instrument	2018033537
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$2,202.90
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	5115 LAZIO ST, SAINT 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	$5,124.00 (+6.88%) Homeowner's exemption	$359,265 (+5.99%)	$449,900 (+5.02%) Land $70,000 Building $379,900
2023	$4,794.00 (+3.9%) Homeowner's exemption	$338,971 (+3%)	$428,400 (+23.78%) Land $60,000 Building $368,400
2022	$4,614.00 Homeowner's exemption	$329,099	$346,100 Land $50,000 Building $296,100

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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