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

Osceola County property record for 106 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,421 sqft · built 2006
Lot Size	0.256 acres (11,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$77,500 (Jun 2020)
Tax Bill	$3,711 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`19-25-31-3017-0001-1830`

Property Details

APN / Parcel Number

Primary APN	`19-25-31-3017-0001-1830`
Alternative APNs	`253119301700011830` `133038`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,421 sqft Living Area
Gross Area	3,323 sqft
1st Floor Area	2,421 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	11,151 sqft (0.256 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	422 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	106 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 183
Legal Range	31E
Legal Township	25S
Legal Section	19
Legal Subdivision	EAST LAKE RESERVE AT NARCOOSSEE UNIT 4
Legal Tract	3017
Legal Block	1830
Legal Lot Number	183
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 November 26, 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	106 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2020	Quit Claim Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC
Jul 6, 2017	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Aug 10, 2012 · Amount on Record
Deed Document Number	202081467
Deed Book / Page	5743 / 707
Prior Transfer Date	Jun 17, 2020
Prior Transfer Doc	0057430707
Record Updated	Jun 8, 2026

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 24, 2020
Property Address	106 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Document Number	0057430707
Book / Page	5743 / 707
Map Reference	MB 17 PG 123&124
Instrument Date	Jun 17, 2020
Instrument	2020081467
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$542.50
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 LENA ANN DR, SAINT CLOUD, FL 34771-8247

Mortgage

Document Number	0005743709
Date	Jun 24, 2020
Instrument	5743/709

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	106 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Document Number	0051790244
Instrument Date	Jul 6, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2018
Title Company	AMERICAN TITLE COMPANY, AMERICAN TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 LENA ANN DR ST CLOUD FL 347718247, ST CLOUD, FL 34771-8247

Mortgage

Document Number	0051790244
Date	Jul 13, 2017
Book Page	005179/000244
Instrument	102373

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2047

Interest

Rate Type	Adjustable Rate

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	$3,711.00 (+5.25%) Homeowner's exemption	$257,307 (+5.99%)	$436,900 (+5.28%) Land $75,000 Building $361,900
2024	$3,526.00 (+2.17%)
2023	$3,451.00 (+4.29%) Homeowner's exemption	$242,773 (+3%)	$415,000 (+6.44%) Land $60,000 Building $355,000
2022	$3,309.00 Homeowner's exemption	$235,702	$389,900 Land $55,000 Building $334,900

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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