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

Osceola County property record for 111 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,333 sqft · built 2006
Lot Size	0.253 acres (11,021 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jul 2020)
Tax Bill	$4,592 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jul 2020 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`133054`

Property Details

APN / Parcel Number

Primary APN	`133054`
Alternative APN	`192531301700011990`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,333 sqft Heated Area
Gross Area	3,200 sqft
1st Floor Area	2,333 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,021 sqft (0.253 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Finished
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	427 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	133054
Street Address	111 LENA ANN DR
City	SAINT CLOUD
State	FL
Zip	34771-8287
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 199
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	199
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1032
Census Tract	43600

Owner

111 Lena Ann Dr is owned and occupied by an individual who bought it in July 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jul 7, 2020	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Jun 29, 2020	Correction Deed FIRST INT'L TITLE
Nov 12, 2019	Correction Deed FIRST INT'L TITLE
Sep 10, 2019	Warranty Deed, Transfer FIRST INT'L TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2020 · Amount on File
Deed Sale	Jul 7, 2020 · Amount on File
Prior Sale	Sep 6, 2016 · Amount on File
Deed Document Number	2020086718
Deed Book / Page	5749 / 2152
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Transaction Type	Mortgage
Record Updated	Aug 3, 2023
Title Company	TITLE ONE FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287

Mortgage

Document Number	0061120701
Date	Dec 20, 2021
Book Page	6112/701
Instrument	2021196312

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2020
Property Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0057492152
Book / Page	5749 / 2152
Map Reference	MB 17 PG 123&124
Instrument Date	Jul 2, 2020
Instrument	2020086718
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	WATSON TITLE SERVICES INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 N THOMPSON RD, 545, APOPKA, FL 32712-3803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287

Mortgage

Document Number	0057492154
Date	Jul 7, 2020
Instrument	5749/2154

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

June 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2020
Property Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0057452627
Book / Page	005745 / 002627
Instrument Date	Jun 26, 2020
Instrument	83738
Record Updated	Jul 30, 2020
Title Company	FIRST INT'L TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	545 N THOMPSON RD APOPKA FL 327123803, APOPKA, FL 32712-3803

November 2019: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 12, 2019
Property Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0056220449
Book / Page	005622 / 000449
Instrument Date	Sep 5, 2019
Instrument	147018
Record Updated	Dec 5, 2019
Title Company	FIRST INT'L TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	545 N THOMPSON RD APOPKA FL 327123803, APOPKA, FL 32712-3803

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 10, 2019
Property Address	111 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number	0055862431
Book / Page	005586 / 002431
Instrument Date	Sep 5, 2019
Instrument	116564
Transaction Type	Transfer
Record Updated	Sep 20, 2019
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount on Record
Tax	$2,121.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	545 N THOMPSON RD APOPKA FL 327123803, APOPKA, FL 32712-3803

Tax Assessment & Valuation

The 2025 property tax bill for 111 Lena Ann Dr was $4,592 with a homeowner's exemption.

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	$4,592.00 Homeowner's exemption	$320,907	$428,500 Land $75,000 Building $353,500
2023	$4,289.00 (+4.03%) Homeowner's exemption	$302,780 (+3%)	$406,800 (+6.46%) Land $60,000 Building $346,800
2022	$4,123.00 Homeowner's exemption	$293,962	$382,100 Land $55,000 Building $327,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 111 Lena Ann Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 File 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

Wildfire risk around 111 Lena Ann Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of 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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