5121 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5121 Lazio St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,063 sqft · built 2017
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$363,910 (Aug 2017)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531505100010200`

Property Details

APN / Parcel Number

Primary APN	`202531505100010200`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,063 sqft Heated Area
Gross Area	4,324 sqft
1st Floor Area	1,619 sqft
Upper Floors Area	1,444 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
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	496 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	534 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5121 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 20
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3023
Census Tract	43700

Owner

Source: Osceola County records · APN 202531505100010200

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	5121 LAZIO ST, SAINT CLOUD, FL 34771-9111
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 02, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Aug 22, 2017	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 22, 2017 · Amount on Record
Deed Sale	Aug 22, 2017 · Amount on Record
Deed Document Number	2017121316
Deed Book / Page	5197 / 2871
Record Updated	Jun 08, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5121 LAZIO ST, SAINT CLOUD, FL 34771-9111
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	0064171866
Date	Jun 02, 2023
Book Page	6417/1866
Instrument	2023070703

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 01, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5121 LAZIO ST, SAINT CLOUD, FL 34771-9111
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057312977
Date	Jun 04, 2020
Book Page	5731/2977
Instrument	2020071763

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

August 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 22, 2017
Property Address	5121 LAZIO ST, SAINT CLOUD, FL 34771-9111
Document Number	0051972871
Book / Page	5197 / 2871
Map Reference	MB24 PG143-148
Instrument Date	Aug 18, 2017
Instrument	2017121316
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,548.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4776 NEW BROAD ST STE 250, 4776, ORLANDO, FL 32814-6431

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5121 LAZIO ST, SAINT CLOUD, FL 34771-9111

Mortgage

Document Number	0051972873
Date	Aug 22, 2017
Instrument	5197/2873

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$712.00 (-80.08%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$272,021 (+5.99%)	$488,100 (+4.47%) Land $70,000 Building $418,100
2023	$3,575.00 (+4.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$256,656 (+3%)	$467,200 (+26.85%) Land $60,000 Building $407,200
2022	$3,428.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$249,181	$368,300 Land $50,000 Building $318,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 70 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 293 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	8,000 / 8,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: Xfinity, Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Lazio St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures