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

Osceola County property record for 102 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,435 sqft · built 2005
Lot Size	0.303 acres (13,242 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (May 2019)
Tax Bill	$6,368 (2025)
Deeds & Mortgages	May 2022 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`133036`

Property Details

APN / Parcel Number

Primary APN	`133036`
Alternative APN	`192531301700011810`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,435 sqft Heated Area
Gross Area	3,391 sqft
1st Floor Area	2,435 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,242 sqft (0.303 acres)
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	352 sqft
Porch	Open Porch
Porch Area	516 sqft
Deck Area	568 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	133036
Street Address	102 LENA ANN DR
City	SAINT CLOUD
State	FL
Zip	34771-8247
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 181
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract	3017
Legal Block	1
Legal Lot Number	181
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1040
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	2 Individual Names on Record
Mailing Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 14, 2023	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
May 14, 2019	Warranty Deed, Transfer METES AND BOUND TITLE COMPANY, METES & BOUNDS TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2019 · Amount on Record
Deed Sale	May 14, 2019 · Amount on Record
Prior Sale	Aug 25, 2016 · Amount on Record
Deed Document Number	2019061635
Deed Book / Page	5523 / 2163
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247

Mortgage

Document Number	0062192221
Date	May 24, 2022
Book Page	6219/2221
Instrument	2022081562

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0058951092
Date	Feb 22, 2021
Book Page	5895/1092
Instrument	2021024821

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2036

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Transaction Type	Mortgage
Record Updated	Aug 3, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247

Mortgage

Document Number	0064242513
Date	Jun 14, 2023
Book Page	6424/2513
Instrument	2023077120

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 14, 2019
Property Address	102 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Document Number	0055232163
Book / Page	005523 / 002163
Instrument Date	May 6, 2019
Instrument	61635
Transaction Type	Transfer
Record Updated	May 29, 2019
Title Company	METES AND BOUND TITLE COMPANY, METES & BOUNDS TITLE CO

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	102 LENA ANN DR ST CLOUD FL 347718247, ST CLOUD, FL 34771-8247

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	$6,368.00 (+6.52%) Homeowner's exemption	$449,111 (+5.99%)	$458,400 (+5.28%) Land $75,000 Building $383,400
2023	$5,978.00 (+3.69%) Homeowner's exemption	$423,742 (+3%)	$435,400 (+5.83%) Land $60,000 Building $375,400
2022	$5,765.00 Homeowner's exemption	$411,400 Land $55,000 Building $356,400	$411,400 Land $55,000 Building $356,400

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 53% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 164 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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