751 S Lake Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 751 S Lake Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,148 sqft · built 1996
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Mar 2020)
Tax Bill	$3,807 (2025)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`92645`

Property Details

APN / Parcel Number

Primary APN	`92645`
Alternative APN	`292531491000180080`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,148 sqft Heated Area
Gross Area	1,500 sqft
1st Floor Area	1,148 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Lot Dimensions	130 ft deep x 70 ft wide
Porch	Open Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	92645
Street Address	751 S LAKE AVE
City	SAINT CLOUD
State	FL
Zip	34771-8001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AC
Legal Description	RUNNYMEDE PB 1 PG 57 BLK 18 N 70 FT OF W 125 FT LOT 8 AND THAT PORTION OF VAC S LAKE AVE LYING BETWEEN & E OF THE HIGH WATER
Legal Range	31E
Legal Township	25S
Legal Section	29
Legal Subdivision	WATERFRONT EAST LAKE TOHO
Legal Tract	4910
Legal Block	18
Legal Lot Number	8
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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	751 S LAKE AVE, SAINT CLOUD, FL 34771-8001
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAS MONEY SOURCE INC
Mar 20, 2020	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2020 · Amount on Record
Deed Sale	Mar 20, 2020 · Amount on Record
Prior Sale	Apr 12, 1996 · Amount on Record
Deed Document Number	2020040906
Deed Book / Page	5696 / 1186
Record Updated	Jun 8, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	751 S LAKE AVE, SAINT CLOUD, FL 34771-8001
Transaction Type	Mortgage
Record Updated	May 5, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	751 S LAKE AVE, SAINT CLOUD, FL 34771-8001

Mortgage

Document Number	0061991829
Date	Apr 22, 2022
Book Page	6199/1829
Instrument	2022064131

Lender

Name	AMERICAS MONEY SOURCE INC
Type	Non-Lending Institution
Address	ORLANDO, FL 32806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2037

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 20, 2020
Property Address	751 S LAKE AVE, SAINT CLOUD, FL 34771-8001
Document Number	0056961186
Book / Page	005696 / 001186
Instrument Date	Mar 16, 2020
Instrument	40906
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,260.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	808 S LARE AVE ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number	56961188
Date	Mar 20, 2020
Book Page	005696/001188
Instrument	40907

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 19, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,807.00 (+10.86%)	$255,600 (+1.19%) Land $126,000 Building $129,600	$255,600 (+1.19%) Land $126,000 Building $129,600
2023	$3,434.00 (+26.67%)	$252,600 (+65.31%) Land $126,000 Building $126,600	$252,600 (+65.31%) Land $126,000 Building $126,600
2022	$2,711.00	$152,800 Land $45,000 Building $107,800	$152,800 Land $45,000 Building $107,800

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 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 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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	High above 76% of the US · above 62% of Florida
Wildfire Likelihood	0.3% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Xfinity.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Lake Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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