101 Lena Ann Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 101 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,142 sqft · built 2006
Lot Size	0.28 acres (12,196 sqft)
Owner	Individual Name on Record
Last Sale	$475,000 (Jul 2026)
Tax Bill	$5,993 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Mar 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`19-25-31-3017-0001-2040`

Property Details

APN / Parcel Number

Primary APN	`19-25-31-3017-0001-2040`
Alternative APNs	`253119301700012040` `133059`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,142 sqft Living Area
Gross Area	3,205 sqft
1st Floor Area	2,142 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	336 sqft
Porch	Finished/Open Porch
Porch Area	403 sqft
Deck Area	720 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	101 LENA ANN DR
City	SAINT CLOUD
State	FL
Zip	34771-8287
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4 PB 17 PGS 123-124 LOT 204
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4
Legal Tract	3017
Legal Block	2040
Legal Lot Number	204
Legal Unit	4P
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 July 15, 2026

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	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Warranty Deed, Transfer · VA Mortgage NEAR NORTH TITLE GROUP
Mar 13, 2023	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Aug 30, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Sep 22, 2020	Deed of Trust, Mortgage · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 8, 2026 · Amount on Record
Deed Sale	Jul 8, 2026 · Amount on Record
Prior Sale	Mar 13, 2023 · Amount on Record
Deed Document Number	202689519
Deed Book / Page	7000 / 2898
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 8, 2026
Property Address	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0000089519
Book / Page	7000 / 2898
Instrument Date	Jul 6, 2026
Instrument	202689519
Transaction Type	Transfer
Record Updated	Jul 15, 2026
Title Company	NEAR NORTH TITLE GROUP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$335,825.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287

Mortgage

Document Number	0000089520,
Date	Jul 8, 2026
Instrument	202689520

Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2023
Property Address	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0063700967
Book / Page	6370 / 967
Map Reference	MB 17 PG 123&124
Instrument Date	Mar 10, 2023
Instrument	2023028776
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$3,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9464 RANDAL PARK BLVD # BLVD9116, BLVD9116, ORLANDO, FL 32832-5045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3126 WHISPERWOODS CT, NORTHBROOK, IL 60062-6400

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2022
Property Address	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0062772752
Book / Page	6277 / 2752
Map Reference	MB 17 PG 123&124
Instrument Date	Aug 30, 2022
Instrument	2022132733
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	TITLE ONE FLORIDA LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,612.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	101 LENA ANN DR, 101, SAINT CLOUD, FL 34771-8287

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287

Mortgage

Document Number	0062772754
Date	Aug 30, 2022
Instrument	6277/2754

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	101 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1010 LEAN ANN DR, SAINT CLOUD, FL 34771

Mortgage

Document Number	0057972483
Date	Sep 22, 2020
Book Page	5797/2483
Instrument	2020126436

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company
Address	LUTHERVILLE TIMONIUM, MD 21093

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$5,993.00 (+6.22%) Homeowner's exemption	$422,000 (+5.58%) Land $75,000 Building $347,000	$422,000 (+5.58%) Land $75,000 Building $347,000
2023	$5,642.00 (+6.51%) Homeowner's exemption	$399,700 (+5.99%) Land $60,000 Building $339,700	$399,700 (+5.99%) Land $60,000 Building $339,700
2022	$5,297.00	$377,100 Land $55,000 Building $322,100	$377,100 Land $55,000 Building $322,100

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 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	Moderate above 63% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% 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.

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 193 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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