5120 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5120 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	2 Individual Names on File
Last Sale	$261,500 (Mar 2018)
Tax Bill	$5,464 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-5051-0001-0610`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5051-0001-0610`
Alternative APN	`253120505100010610`

Interior

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

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
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	468 sqft
Parking Spaces	2 Parking Spaces
Porch	Metal Porch
Porch Area	63 sqft
Patio Area	204 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5120 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 61
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Block	610
Legal Lot Number	61
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3067
Census Tract	43700

Owner

5120 Lazio St is owned and occupied by two individuals who bought it in March 2018.

Source: Osceola County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust · Line of Credit FIGURE LENDING LLC
Apr 8, 2026	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Jun 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage MY MORTGAGE INC
Mar 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage MY MORTGAGE INC
Mar 15, 2018	Grant Deed, Subdivision Related Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2018 · Amount on File
Deed Sale	Mar 15, 2018 · Amount on File
Deed Document Number	201842766
Deed Book / Page	5301 / 2372
Record Updated	Sep 20, 2026

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2026
Property Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0000046928
Book / Page	6952 / 545
Instrument Date	Mar 31, 2026
Instrument	202646928
Record Updated	Apr 17, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0000046928,
Date	Apr 8, 2026
Book Page	6952/545
Instrument	202646928

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2056

Interest

Rate	6%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2026
Property Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0069520545
Book / Page	6952 / 545
Instrument Date	Mar 31, 2026
Instrument	202646928
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0000046928,
Date	Apr 8, 2026
Book Page	6952/545
Instrument	202646928

Lender

Name	FIGURE LENDING LLC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2056

Interest

Rate	6%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0062372150
Date	Jun 22, 2022
Book Page	6237/2150
Instrument	2022097398

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company
Address	CROFTON, MD 21114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	345 Months
Due	Mar 1, 2051

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5127 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	0059041718
Date	Mar 4, 2021
Book Page	5904/1718
Instrument	2021032305

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company
Address	CROFTON, MD 21114

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2051

March 2018: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 15, 2018
Property Address	5120 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0053012372
Book / Page	005301 / 002372
Instrument Date	Mar 12, 2018
Instrument	42766
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 16, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,830.32
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	5120 LAZIO ST ST CLOUD FL 347719112, ST CLOUD, FL 34771-9112

Mortgage

Document Number	53012374
Date	Mar 15, 2018
Book Page	005301/002374
Instrument	42767

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Mar 14, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5120 Lazio St was $5,464, up 8% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$5,464.00 (+7.98%)	$343,000 Land $70,000 Building $273,000	$343,000 Land $70,000 Building $273,000
2024	$5,060.00 (+4.76%)
2023	$4,830.00 (+15%)	$326,200 (+25.8%) Land $60,000 Building $266,200	$326,200 (+25.8%) Land $60,000 Building $266,200
2022	$4,200.00	$259,300 Land $50,000 Building $209,300	$259,300 Land $50,000 Building $209,300

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

Flood

FEMA maps place 5120 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 5120 Lazio St is moderate, ranking above 60% 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 60% of the US · lower than 66% 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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