Osceola County property record for 5119 Lazio St, Saint Cloud, FL 34771 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,214 sqft · built 2017 |
| Lot Size | 0.15 acres (6,534 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $292,960 (Jan 2018) |
| Tax Bill | $3,337 (2025) |
| Deeds & Mortgages | Sep 2025 Line of Credit Apr 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-25-31-5051-0001-0190 |
| Primary APN | 20-25-31-5051-0001-0190 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,214 sqft Living Area |
| Gross Area | 2,984 sqft |
| 1st Floor Area | 2,214 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,534 sqft (0.15 acres) |
| Garage Type | Attached |
| Garage Area | 507 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 336 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 263 sqft |
| Deck Area | 664 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5119 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 19 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | STONEWOOD ESTATES |
| Legal Tract | 5051 |
| Legal Block | 190 |
| Legal Lot Number | 19 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 43700 |
Source: Osceola County records · APN 20-25-31-5051-0001-0190
Assessment roll updated November 26, 2025 · Last verified June 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 | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 10, 2025 | Deed of Trust, Mortgage · Line of Credit REGIONS BANK |
| Apr 07, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jan 02, 2018 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 02, 2018 · Amount on Record |
| Deed Sale | Jan 02, 2018 · Amount on Record |
| Deed Document Number | 2018198 |
| Deed Book / Page | 5261 / 2918 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Document Number | 0068462850 |
|---|---|
| Date | Sep 10, 2025 |
| Book Page | 6846/2850 |
| Instrument | 2025112103 |
| Name | REGIONS BANK |
|---|---|
| Type | Bank |
| Address | BIRMINGHAM, AL 35244 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 17, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Document Number | 0059291823 |
|---|---|
| Date | Apr 07, 2021 |
| Book Page | 5929/1823 |
| Instrument | 2021051672 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 02, 2018 |
| Property Address | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Document Number | 0052612918 |
| Book / Page | 5261 / 2918 |
| Map Reference | MB24 PG143-148 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 2018000198 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,051.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4776 NEW BROAD ST, 4776, ORLANDO, FL 32814-6406 |
| Name | Verified Name |
|---|---|
| Address | 5119 LAZIO ST, SAINT CLOUD, FL 34771-9111 |
| Document Number | 2018000199 |
|---|---|
| Date | Jan 02, 2018 |
| Instrument | 2018000199 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,337.00 (+5.57%) Homeowner's exemption Veteran's exemption | $235,295 (+5.99%) | $407,100 (+5.25%) Land $70,000 Building $337,100 |
| 2024 | $3,161.00 (+2.26%) | ||
| 2023 | $3,091.00 (+4.53%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $222,004 (+3%) | $386,800 (+24.29%) Land $60,000 Building $326,800 |
| 2022 | $2,957.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $215,538 | $311,200 Land $50,000 Building $261,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 709 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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