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1120 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1120 Umbria Ln, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,092 sqft · built 2015
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on Record
Last Sale$445,000 (Apr 2022)
Tax Bill$5,725 (2025)
Deeds & MortgagesApr 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202531425800010810

Property Details

APN / Parcel Number

Primary APN202531425800010810

Interior

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

Exterior

Year BuiltBuilt 2015
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
Garage Area420 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area175 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1120 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 81
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionNARCOOSSEE VILLAGE
Legal Phase1
Legal Tract4258
Legal Block1
Legal Lot Number81
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3022
Census Tract43700

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address1120 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 SaleApr 22, 2022 · Amount on Record
Deed SaleApr 22, 2022 · Amount on Record
Prior SaleApr 30, 2015 · Amount on Record
Deed Document Number2022063715
Deed Book / Page6199 / 511
Record UpdatedJun 8, 2026

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 22, 2022
Property Address1120 UMBRIA LN, SAINT CLOUD, FL 34771-7924
Document Number0061990511
Book / Page6199 / 511
Map ReferenceMB 22 PG 141-145
Instrument DateMar 24, 2022
Instrument2022063715
Transaction TypeTransfer
Record UpdatedMay 5, 2022
Title CompanyZ TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,115.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3214 HAZENRIDGE WAY, 3214, ORLANDO, FL 32829-7377

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address1120 UMBRIA LN, SAINT CLOUD, FL 34771-7924

Mortgage

Document Number0006199513
DateApr 22, 2022
Instrument6199/513
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2052

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$5,725.00 (-1.36%)$361,800 (-2.51%) Land $75,000 Building $286,800$361,800 (-2.51%) Land $75,000 Building $286,800
2023$5,804.00 (+60.33%)$371,100 (+43.85%) Land $65,000 Building $306,100$371,100 (+15.9%) Land $65,000 Building $306,100
2022$3,620.00 Homeowner's exemption$257,971$320,200 Land $60,000 Building $260,200

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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