1020 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1020 Umbria Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,594 sqft · built 2016
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$430,000 (Aug 2022)
Tax Bill	$5,115 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202531505100010590`

Property Details

APN / Parcel Number

Primary APN	`202531505100010590`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,594 sqft Heated Area
Gross Area	2,094 sqft
1st Floor Area	1,594 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	470 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	30 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1020 UMBRIA LN
City	SAINT CLOUD
State	FL
Zip	34771-7960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEWOOD ESTATES PB 24 PGS 143-148 LOT 59
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	59
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3067
Census Tract	43700

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
Co-owner	Co-owner on Record
Mailing Address	1713 WARM SPRINGS CT, VIRGINIA BEACH, VA 23454-6882
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2022 · Amount on Record
Deed Sale	Aug 5, 2022 · Amount on Record
Prior Sale	Dec 5, 2016 · Amount on Record
Deed Document Number	2022120824
Deed Book / Page	6264 / 2510
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 5, 2022
Property Address	1020 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number	0062642510
Book / Page	6264 / 2510
Map Reference	MB 24 PG 143-148
Instrument Date	Jul 11, 2022
Instrument	2022120824
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	GOLDEN KEY TITLE SERVICES LLC, GOLDEN KEY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3363 SEDGWICK AVE # AVE2T, AVE2T, BRONX, NY 10463-6045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Mortgage

Document Number	0062642513
Date	Aug 5, 2022
Instrument	6264/2513

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

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	$5,115.00 (+5.7%)	$317,800 (+5.23%) Land $70,000 Building $247,800	$317,800 (+5.23%) Land $70,000 Building $247,800
2023	$4,839.00 (+23.22%)	$302,000 (+25.94%) Land $60,000 Building $242,000	$302,000 (+25.94%) Land $60,000 Building $242,000
2022	$3,927.00	$239,800 Land $50,000 Building $189,800	$239,800 Land $50,000 Building $189,800

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 60% of the US · lower than 66% of Florida
Wildfire Likelihood	0.1% 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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber · DSL in parts of the area	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Xfinity.

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