Osceola County property record for 523 Lakeshore Blvd, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,194 sqft · built 1989 |
| Lot Size | 0.31 acres (13,503 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Dec 2014) |
| Tax Bill | $5,718 (2025) |
| Deeds & Mortgages | Nov 2021 Transfer Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 01-26-30-0650-0001-0380 |
| Primary APN | 01-26-30-0650-0001-0380 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,194 sqft Living Area |
| Gross Area | 3,939 sqft |
| 1st Floor Area | 1,388 sqft |
| Upper Floors Area | 806 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 13,503 sqft (0.31 acres) |
| Lot Dimensions | 135 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 946 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 64 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 799 sqft |
| Deck Area | 935 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 523 LAKESHORE BLVD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-2453 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1A |
| Legal Description | ST CLOUD BLVD LOTS LOT 38 LESS S 165 FT |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 01 |
| Legal Subdivision | LAKE FRONT ADD TO TOWN OF ST CLOUD |
| Legal Tract | 650 |
| Legal Block | 380 |
| Legal Lot Number | 38 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 43500 |
Source: Osceola County records, as of March 6, 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 Record |
|---|---|
| Mailing Address | 523 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Nov 30, 2021 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Aug 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 7, 2019 | Deed of Trust, Mortgage · Conventional Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 8, 2014 · Amount on Record |
| Deed Sale | Dec 8, 2014 · Amount on Record |
| Prior Sale | Aug 1, 2003 · Amount on Record |
| Deed Document Number | 2014177899 |
| Deed Book / Page | 4704 / 1879 |
| Last Transfer Date | Nov 19, 2021 |
| Transfer Doc | 0060961327 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 30, 2021 |
| Property Address | 523 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453 |
| Document Number | 0060961327 |
| Book / Page | 6096 / 1327 |
| Map Reference | MB B PG 61-64 |
| Instrument Date | Nov 19, 2021 |
| Instrument | 2021184244 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 523 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 523 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|---|
| Address | 523 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453 |
| Document Number | 0060191364 |
|---|---|
| Date | Aug 10, 2021 |
| Book Page | 6019/1364 |
| Instrument | 2021123311 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Sep 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 523 LAKESHORE BLVD, SAINT CLOUD, FL 34769-2453 |
| Document Number | 0056230359 |
| Instrument Date | Nov 7, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2019 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 523 LAKESHORE BLVD ST CLOUD FL 347692453, ST CLOUD, FL 34769-2453 |
| Document Number | 0056230359 |
|---|---|
| Date | Nov 13, 2019 |
| Book Page | 005623/000359 |
| Instrument | 147987 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Nov 12, 2034 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,718.00 (+3.4%) Homeowner's exemption | $362,365 (+5.99%) | $543,400 (+20.04%) Land $90,000 Building $453,400 |
| 2024 | $5,530.00 (+2.45%) | ||
| 2023 | $5,398.00 (+3.37%) Homeowner's exemption | $341,897 (+3%) | $452,700 (+15.72%) Land $90,000 Building $362,700 |
| 2022 | $5,222.00 Homeowner's exemption | $331,939 | $391,200 Land $85,000 Building $306,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 40 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 40 in force |
| Nearby Flood Claims | 3 (1995–2022) |
| Claims Outside the SFHA | 2 of 3 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · lower than 91% of Florida |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 330 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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