5116 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5116 Lazio St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,021 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$630,000 (Sep 2024)
Tax Bill	$6,817 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531505100010630`

Property Details

APN / Parcel Number

Primary APN	`202531505100010630`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,021 sqft Heated Area
Gross Area	3,690 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	7,405 sqft (0.169 acres)
Garage Type	Finished

Exterior Amenities

Pool Area	319 sqft
Porch	Finished/Screened Porch
Deck Area	881 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5116 LAZIO ST
City	SAINT CLOUD
State	FL
Zip	34771-9112
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEWOOD ESTATES PB 24 PGS 143-148 LOT 63
Legal Subdivision	STONEWOOD ESTATES
Legal Lot Number	63
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3067
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	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
May 23, 2022	Deed of Trust, Mortgage · VA Mortgage HOMETOWN EQUITY MORTGAGE
Sep 13, 2024	Warranty Deed, Transfer · VA Mortgage DELMAR FINANCIAL CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 13, 2024 · Amount on Record
Deed Sale	Sep 13, 2024 · Amount on Record
Prior Sale	Apr 25, 2018 · Amount on Record
Deed Document Number	2024117844
Deed Book / Page	6664 / 1130
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0058960497
Date	Feb 23, 2021
Book Page	5896/497
Instrument	2021025509

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0062182345
Date	May 23, 2022
Book Page	6218/2345
Instrument	2022080807

Lender

Name	HOMETOWN EQUITY MORTGAGE
Type	Mortgage Company
Address	LAKE FOREST, CA 92630

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

September 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 13, 2024
Property Address	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0066641130
Book / Page	6664 / 1130
Map Reference	MB 24 PG 143-148
Instrument Date	Sep 4, 2024
Instrument	2024117844
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,410.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 9044, SAN JUAN XX 908

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5116 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	2024117845
Date	Sep 13, 2024
Instrument	2024117845

Lender

Name	DELMAR FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

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)

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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