5118 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5118 Lazio St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,214 sqft · built 2018
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$292,000 (Jul 2018)
Tax Bill	$4,175 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531505100010620`

Property Details

APN / Parcel Number

Primary APN	`202531505100010620`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,214 sqft Heated Area
Gross Area	2,984 sqft
1st Floor Area	2,214 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	507 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	263 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5118 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 62
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	62
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3067
Census Tract	43700

Owner

5118 Lazio St is owned and occupied by an individual who bought it in July 2018.

Source: Osceola County records, as of December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5118 LAZIO ST, SAINT CLOUD, FL 34771-9112
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jun 14, 2019	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Jul 9, 2018	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2018 · Amount on File
Deed Sale	Jul 9, 2018 · Amount on File
Deed Document Number	2018104576
Deed Book / Page	5363 / 2437
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5118 LAZIO ST, SAINT CLOUD, FL 34771-9112
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5118 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0058012867
Date	Sep 29, 2020
Book Page	5801/2867
Instrument	2020130105

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5118 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0055440826
Instrument Date	Jun 14, 2019
Transaction Type	Mortgage
Record Updated	Jul 4, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5118 LAZIO ST ST CLOUD FL 347719112, ST CLOUD, FL 34771-9112

Mortgage

Document Number	0055440826
Date	Jun 19, 2019
Book Page	005544/000826
Instrument	79333

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 18, 2049

July 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 9, 2018
Property Address	5118 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0053632437
Book / Page	5363 / 2437
Map Reference	MB24 PG143-148
Instrument Date	Jul 3, 2018
Instrument	2018104576
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,044.00
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	5118 LAZLO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	2018104577
Date	Jul 9, 2018
Instrument	2018104577

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5118 Lazio St was $4,175 with a homeowner's exemption.

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	$4,175.00 Homeowner's exemption	$290,775	$384,700 Land $70,000 Building $314,700
2023	$3,892.00 (+4.12%) Homeowner's exemption	$274,351 (+3%)	$366,800 (+26.22%) Land $60,000 Building $306,800
2022	$3,738.00 Homeowner's exemption	$266,361	$290,600 Land $50,000 Building $240,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5118 Lazio St in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 5118 Lazio St is moderate, ranking above 57% of the US, with a 0.1% annual chance of 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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