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1110 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1110 Umbria Ln, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,092 sqft · built 2017
Lot Size0.17 acres (7,405 sqft)
Owner2 Individual Names on Record
Last Sale$284,000 (Sep 2017)
Tax Bill$3,771 (2025)
Deeds & MortgagesSep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN20-25-31-4258-0001-0800

Property Details

APN / Parcel Number

Primary APN20-25-31-4258-0001-0800
Alternative APN
  • 253120425800010800

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,092 sqft Living Area
Gross Area2,687 sqft
1st Floor Area2,092 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area175 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1110 UMBRIA LN
CitySAINT CLOUD
StateFL
Zip34771-7924
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionNARCOOSSEE VILLAGE PH 1 PB 22 PG 141-145 LOT 80
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionNARCOOSSEE VILLAGE PH 1
Legal Phase1
Legal Tract4258
Legal Block800
Legal Lot Number80
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3023
Census Tract43700

Owner

Source: Osceola County records, as of April 3, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address1110 UMBRIA LN, SAINT CLOUD, FL 34771-7924
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 13, 2017 · Amount on Record
Deed SaleSep 13, 2017 · Amount on Record
Deed Document Number2017129828
Deed Book / Page5207 / 676
Record UpdatedJun 8, 2026

September 2017: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 13, 2017
Property Address1110 UMBRIA LN, SAINT CLOUD, FL 34771-7924
Document Number0052070676
Book / Page005207 / 000676
Instrument DateAug 29, 2017
Instrument129828
Transaction TypeSubdivision Related Transfer
Record UpdatedOct 9, 2017
Title CompanyM/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,988.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1110 UMBRIA LN ST CLOUD FL 347717924, ST CLOUD, FL 34771-7924

Mortgage

Document Number52070677
DateSep 13, 2017
Book Page005207/000677
Instrument129829
Lender
NameFIDEL J FERRAL
Address9405 BORDET CT, ORLANDO, FL 32827-7526
Agreement
TypeConventional Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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$3,771.00 (+0.67%) Homeowner's exemption Senior Citizen's exemption$273,748 (+5.99%)$354,300 (-2.32%) Land $75,000 Building $279,300
2024$3,746.00 (+2.15%)
2023$3,667.00 (+4.18%) Homeowner's exemption$258,286 (+3%)$362,700 (+16.1%) Land $65,000 Building $297,700
2022$3,520.00 Homeowner's exemption$250,764$312,400 Land $60,000 Building $252,400

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 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 RiskModerate
above 60% of the US · lower than 66% of Florida
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemTWA SUNBRIDGE WATER TREATMENT PLANT
public/private · serves 542 people · EPA ID FL3494439
Water SourceGroundwater
Last State InspectionJan 2025
Also Mapped HereTOHO WATER AUTHORITY-POINCIANA SYSTEM
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

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

ProviderMax 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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