Osceola County property record for 1130 Umbria Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,092 sqft · built 2015 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $258,000 (Nov 2015) |
| Tax Bill | $4,001 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531425800010820 |
| Primary APN | 202531425800010820 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,092 sqft Heated Area |
| Gross Area | 2,666 sqft |
| 1st Floor Area | 2,092 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 154 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1130 UMBRIA LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7924 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | NARCOOSSEE VILLAGE PH 1 PB 22 PG 141-145 LOT 82 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NARCOOSSEE VILLAGE |
| Legal Phase | 1 |
| Legal Tract | 4258 |
| Legal Block | 1 |
| Legal Lot Number | 82 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531425800010820
Assessment roll updated July 1, 2025 · Last verified December 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 File |
|---|---|
| Mailing Address | 1130 UMBRIA LN, SAINT CLOUD, FL 34771-7924 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 05, 2015 · Amount on Record |
| Deed Sale | Nov 05, 2015 · Amount on Record |
| Deed Document Number | 2015166821 |
| Deed Book / Page | 4868 / 1088 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,001.00 (+7.35%) Homeowner's exemption | $278,252 (+5.99%) | $359,600 (-2.44%) Land $75,000 Building $284,600 |
| 2023 | $3,727.00 (+4.19%) Homeowner's exemption | $262,535 (+3%) | $368,600 (+16.02%) Land $65,000 Building $303,600 |
| 2022 | $3,577.00 Homeowner's exemption | $254,889 | $317,700 Land $60,000 Building $257,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 60% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 709 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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