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

Osceola County property record for 105 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,797 sqft · built 2007
Lot Size0.292 acres (12,763 sqft)
Owner2 Individual Names on Record
Last Sale$465,000 (Jun 2025)
Tax Bill$3,241 (2025)
Deeds & MortgagesMar 2024 Line of Credit
Flood ZoneZone X (minimal risk)
APN133057

Property Details

APN / Parcel Number

Primary APN133057
Alternative APN
  • 192531301700012020

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,797 sqft Heated Area
Gross Area2,673 sqft
1st Floor Area1,797 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,763 sqft (0.292 acres)
Garage TypeFinished
Garage Area528 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area364 sqft
PorchOpen Porch
Porch Area348 sqft
Deck Area604 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number133057
Street Address105 LENA ANN DR
CitySAINT CLOUD
StateFL
Zip34771-8287
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionEAST LAKE RESERVE AT NARCOOSSEE UNIT 4 PB 17 PGS 123-124 LOT 202
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionEAST LAKE RESERVE AT NARCOOSSEE UNIT 2
Legal Tract3017
Legal Block1
Legal Lot Number202
Legal Unit4P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

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 Record2 Individual Names on Record
Co-ownerCo-owner on Record
Mailing Address105 LENA ANN DR, SAINT CLOUD, FL 34771-8287
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 27, 2025 · Amount on Record
Deed SaleJun 27, 2025 · Amount on Record
Deed Document Number0068121175
Deed Book / Page3397 / 2088
Prior Transfer DateFeb 1, 2007
Prior Transfer Doc2007020338
Record UpdatedJun 8, 2026

March 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address105 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Transaction TypeMortgage
Record UpdatedApr 16, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address105 LENA ANN DR, SAINT CLOUD, FL 34771-8287

Mortgage

Document Number0065631715
DateMar 12, 2024
Book Page6563/1715
Instrument2024031813
Lender
NameSOUTH STATE BANK NA
TypeBank
Address1101 1ST ST S, WINTER HAVEN, FL 33880
Agreement
TypeLine of Credit
AmountAmount Recorded
Term119 Months
DueFeb 20, 2034
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,241.00 (+7.89%) Homeowner's exemption$223,406 (+5.99%)$391,900 (+6.18%) Land $75,000 Building $316,900
2023$3,004.00 (+4.49%) Homeowner's exemption$210,787 (+3%)$369,100 (+5.67%) Land $60,000 Building $309,100
2022$2,875.00 Homeowner's exemption$204,648$349,300 Land $55,000 Building $294,300

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 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 RiskModerate
above 63% of the US · lower than 60% of Florida
Wildfire Likelihood0.2% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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