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117 Lena Ann Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 117 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,356 sqft · built 2005
Lot Size0.254 acres (11,064 sqft)
Owner2 Trust Names on File
Last Sale$257,000 (Mar 2014)
Tax Bill$3,646 (2025)
Deeds & MortgagesMay 2020 Mortgage
Flood ZoneZone X (minimal risk)
APN19-25-31-3017-0001-1960

Property Details

APN / Parcel Number

Primary APN19-25-31-3017-0001-1960
Alternative APNs
  • 253119301700011960
  • 133051

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,356 sqft Living Area
Gross Area3,194 sqft
1st Floor Area2,356 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2005
Effective Year BuiltEffective 2005
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area11,064 sqft (0.254 acres)
Lot Dimensions130 ft deep x 85 ft wide
Garage TypeAttached
Garage Area432 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area406 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address117 LENA ANN DR
CitySAINT CLOUD
StateFL
Zip34771-8287
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionEAST LAKE RESERVE AT NARCOOSSEE UNIT 4 PB 17 PGS 123-124 LOT 196
Legal Range31E
Legal Township25S
Legal Section19
Legal SubdivisionEAST LAKE RESERVE AT NARCOOSSEE UNIT 4
Legal Tract3017
Legal Block1960
Legal Lot Number196
Legal Unit4P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1032
Census Tract43600

Owner

117 Lena Ann Dr is owner-occupied and held in a trust since August 2025.

Source: Osceola County records, as of June 26, 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 Trust Names on File
Mailing Address117 LENA ANN DR, SAINT CLOUD, FL 34771-8287
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 20, 2014 · Amount on File
Deed SaleMar 20, 2014 · Amount on File
Prior SaleJun 16, 2005 · Amount on File
Deed Document Number201438919
Deed Book / Page4584 / 1400
Last Transfer DateAug 29, 2025
Transfer Doc0068421898
Record UpdatedOct 29, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address117 LENA ANN DR, SAINT CLOUD, FL 34771-8287
Document Number0057220260
Instrument DateMay 8, 2020
Transaction TypeMortgage
Record UpdatedJun 30, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address117 LENA ANN DR ST CLOUD FL 347718287, ST CLOUD, FL 34771-8287

Mortgage

Document Number0057220260
DateMay 14, 2020
Book Page005722/000260
Instrument63911
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueMay 13, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 117 Lena Ann Dr was $3,646, up 5.3% from the year before.

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$3,646.00 (+5.28%)$252,648$423,000 Land $75,000 Building $348,000
2024$3,463.00 (+2.18%)
2023$3,389.00 (+4.31%) Homeowner's exemption$238,377 (+3%)$401,600 (+6.41%) Land $60,000 Building $341,600
2022$3,249.00 Homeowner's exemption$231,434$377,400 Land $55,000 Building $322,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 117 Lena Ann Dr in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.

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 File
median of 278 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 claims

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

Wildfire risk around 117 Lena Ann Dr is moderate, ranking above 53% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskModerate
above 53% of the US · lower than 76% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 164 locations within half a mile, as of December 31, 2025

ProviderMax 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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