Osceola County property record for 116 Lena Ann Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,714 sqft · built 2005 |
| Lot Size | 0.253 acres (11,064 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $274,900 (Nov 2006) |
| Tax Bill | $2,602 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Nov 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 133043 |
| Primary APN | 133043 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,714 sqft Heated Area |
| Gross Area | 2,584 sqft |
| 1st Floor Area | 1,714 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,064 sqft (0.253 acres) |
| Lot Dimensions | 130 ft deep x 85 ft wide |
| Garage Type | Finished |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 366 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 133043 |
|---|---|
| Street Address | 116 LENA ANN DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8247 |
| 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 188 |
| 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 | 188 |
| Legal Unit | 4P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1040 |
| Census Tract | 43600 |
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 Owner Names on Record |
|---|---|
| Mailing Address | 116 LENA ANN DR, SAINT CLOUD, FL 34771-8247 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Feb 26, 2024 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 29, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 2006 · Amount on Record |
| Deed Sale | Nov 1, 2006 · Amount on Record |
| Prior Sale | Dec 9, 2005 · Amount on Record |
| Deed Document Number | 2006263184 |
| Deed Book / Page | 3319 / 1797 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 116 LENA ANN DR, SAINT CLOUD, FL 34771-8247 |
| Transaction Type | Mortgage |
| Record Updated | Mar 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 116 LENA ANN DR, SAINT CLOUD, FL 34771-8247 |
| Document Number | 0065550912 |
|---|---|
| Date | Feb 26, 2024 |
| Book Page | 6555/912 |
| Instrument | 2024024980 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 116 LENA ANN DR, SAINT CLOUD, FL 34771-8247 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 116 LENA ANN DR, SAINT CLOUD, FL 34771-8247 |
| Document Number | 0060942901 |
|---|---|
| Date | Nov 29, 2021 |
| Book Page | 6094/2901 |
| Instrument | 2021183305 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
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 | $2,602.00 (+5.69%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $182,279 (+5.99%) | $351,200 (+6.13%) Land $75,000 Building $276,200 |
| 2023 | $2,462.00 (+4.86%) Homeowner's exemption | $171,983 (+3%) | $330,900 (+6.57%) Land $60,000 Building $270,900 |
| 2022 | $2,348.00 Homeowner's exemption | $166,974 | $310,500 Land $55,000 Building $255,500 |
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 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 |
|
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 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.
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 |
| 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.
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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