5122 Lazio St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5122 Lazio St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 2017
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$238,400 (Apr 2017)
Tax Bill	$3,446 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-5051-0001-0600`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5051-0001-0600`
Alternative APN	`253120505100010600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,594 sqft Living Area
Gross Area	2,265 sqft
1st Floor Area	1,594 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	201 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5122 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 60
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Block	600
Legal Lot Number	60
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 November 26, 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
Mailing Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Widow or Widower

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2021	Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC
Aug 1, 2022	Intrafamily Transfer, Transfer
Apr 24, 2020	Loan Modification, Mortgage · FHA Mortgage M&T BK
Apr 18, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 18, 2017 · Amount on Record
Deed Sale	Apr 18, 2017 · Amount on Record
Deed Document Number	201757500
Deed Book / Page	5133 / 2616
Last Transfer Date	Aug 1, 2022
Transfer Doc	0062611119
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0060152372
Date	Aug 3, 2021
Book Page	6015/2372
Instrument	2021120430

Lender

Name	VILLAGE CAPITAL & INVESTMENT LLC
Type	Mortgage Company
Address	HENDERSON, NV 89074

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

August 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 1, 2022
Property Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0062611119
Book / Page	6261 / 1119
Map Reference	MB 24 PG 143-148
Instrument Date	Aug 1, 2022
Instrument	2022117725
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0057310110
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5122 LAZIO ST ST CLOUD FL 347719112, ST CLOUD, FL 34771-9112

Mortgage

Document Number	0057310110
Date	Jun 2, 2020
Book Page	005731/000110
Instrument	70907

Lender

Name	M&T BK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate
Rate	3.87%

April 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2017
Property Address	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112
Document Number	0051332616
Book / Page	5133 / 2616
Map Reference	MB24 PG143-148
Instrument Date	Apr 17, 2017
Instrument	2017057500
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,668.80
Amount Accuracy	Rounded by County
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	5122 LAZIO ST, SAINT CLOUD, FL 34771-9112

Mortgage

Document Number	0051332618
Date	Apr 18, 2017
Instrument	5133/2618

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

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	$3,446.00 (+5.41%) Homeowner's exemption	$238,179 (+5.99%)	$321,000 (+5.45%) Land $70,000 Building $251,000
2024	$3,269.00 (+2.19%)
2023	$3,199.00 (+4.41%) Homeowner's exemption	$224,726 (+3%)	$304,400 (+26.31%) Land $60,000 Building $244,400
2022	$3,064.00 Homeowner's exemption	$218,181	$241,000 Land $50,000 Building $191,000

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

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 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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