Osceola County property record for 1150 Umbria Ln, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 5 ba · 3,885 sqft · built 2015 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $347,000 (Apr 2015) |
| Tax Bill | $8,324 (2025) |
| Deeds & Mortgages | Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531425800010840 |
| Primary APN | 202531425800010840 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 5 Baths |
| Stories | 2 Stories |
| Building Area | 3,885 sqft Heated Area |
| Gross Area | 4,528 sqft |
| 1st Floor Area | 1,757 sqft |
| Upper Floors Area | 2,128 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 64 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 202 sqft |
| Deck Area | 620 sqft |
| Patio Area | 488 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 42 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 1150 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 84 |
| 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 | 84 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3022 |
| Census Tract | 43700 |
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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 951 POINTE EMERSON BLVD, APOPKA, FL 32703-7080 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2015 · Amount on Record |
| Deed Sale | Apr 30, 2015 · Amount on Record |
| Deed Document Number | 2015063153 |
| Deed Book / Page | 4772 / 1754 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1150 UMBRIA LN, SAINT CLOUD, FL 34771-7924 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1150 UMBRIA LN, SAINT CLOUD, FL 34771-7924 |
| Document Number | 0058951130 |
|---|---|
| Date | Feb 22, 2021 |
| Book Page | 5895/1130 |
| Instrument | 2021024846 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Mar 1, 2036 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,324.00 (+45.55%) | $549,400 (+35.58%) Land $75,000 Building $474,400 | $549,400 (-1.29%) Land $75,000 Building $474,400 |
| 2023 | $5,719.00 (+13.58%) Homeowner's exemption | $405,224 (+12.83%) | $556,600 (+24.3%) Land $65,000 Building $491,600 |
| 2022 | $5,035.00 Homeowner's exemption | $359,150 | $447,800 Land $60,000 Building $387,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 60% of the US · lower than 66% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Also Mapped Here | TOHO WATER AUTHORITY-POINCIANA SYSTEM |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 293 locations within half a mile, as of December 31, 2025
| Provider | Max 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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