Osceola County property record for 1010 Umbria Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2016 |
| Square Footage | 1,594 sqft Heated Area |
| Lot Size | 8,276 sqft (0.189 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $241,300 (2016) |
| Tax Bill | $3,760.00 (2025) |
| Primary APN | 202531505100010580 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,594 sqft Heated Area |
| Gross Area | 2,265 sqft Gross Area |
| 1st Floor | 1,594 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 8,276 sqft (0.189 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 470 sqft Garage |
| Pool Type | Spa/Hot Tub (Only) Pool Type |
|---|---|
| Pool Area | 28 sqft Pool |
| Fence | Fence |
| Deck Area | 612 sqft Deck |
| Porch | Open Porch |
| Porch Area | 201 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 1010 UMBRIA LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7960 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | STONEWOOD ESTATES PB 24 PGS 143-148 LOT 58 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | STONEWOOD ESTATES |
| Legal Tract | 5051 |
| Legal Lot Number | 58 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3067 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531505100010580
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 | 1010 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Nov 15, 2019 | Deed of Trust, Mortgage · Conventional Mortgage FLORIDA CAPITAL BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 08, 2016 · Amount on Record |
| Deed Sale | Dec 08, 2016 · Amount on Record |
| Deed Doc Number | 2016181787 |
| Deed Book / Page | 5067 / 1670 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1010 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 1010 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0061080346 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 6108/346 |
| Instrument | 2021193102 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1010 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0056242262 |
|---|---|
| Date | Nov 15, 2019 |
| Book Page | 5624/2262 |
| Instrument | 2019149320 |
| Name | FLORIDA CAPITAL BANK NA |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,760.00 (+7.52%) Homeowner's exemption | $260,845 (+5.99%) | $348,800 (+5.7%) Land $70,000 Building $278,800 |
| 2023 | $3,497.00 (+4.26%) Homeowner's exemption | $246,111 (+3%) | $330,000 (+23.32%) Land $60,000 Building $270,000 |
| 2022 | $3,354.00 Homeowner's exemption | $238,943 | $267,600 Land $50,000 Building $217,600 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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