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

Osceola County property record for 124 Lena Ann Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,022 sqft · built 2006
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on File
Last Sale	$394,900 (Nov 2019)
Tax Bill	$5,392 (2025)
Deeds & Mortgages	Jul 2019 Mortgage Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`133047`

Property Details

APN / Parcel Number

Primary APN	`133047`
Alternative APN	`192531301700011920`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,022 sqft Heated Area
Gross Area	4,312 sqft
1st Floor Area	2,338 sqft
Upper Floors Area	684 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Garage Type	Finished
Garage Area	988 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	302 sqft
Deck Area	342 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	133047
Street Address	124 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 192
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	192
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1040
Census Tract	43600

Owner

124 Lena Ann Dr is owned and occupied by an individual who bought it in November 2019.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	124 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2019	Deed of Trust, Mortgage · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA
Nov 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Nov 21, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2019 · Amount on File
Deed Sale	Nov 21, 2019 · Amount on File
Prior Sale	Nov 2, 2005 · Amount on File
Deed Document Number	2019151873
Deed Book / Page	5627 / 2475
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	124 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055591879
Date	Jul 19, 2019
Book Page	5559/1879
Instrument	2019093276

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank
Address	SAINT CLOUD, FL 34771

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	119 Months
Due	Jun 4, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	124 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058272504
Date	Nov 5, 2020
Book Page	5827/2504
Instrument	2020151325

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2050

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2019
Property Address	124 LENA ANN DR, SAINT CLOUD, FL 34771-8247
Document Number	0056272475
Book / Page	005627 / 002475
Instrument Date	Nov 15, 2019
Instrument	151873
Transaction Type	Transfer
Record Updated	Dec 6, 2019
Title Company	SUPREME TITLE SOLUTIONS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,764.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 LENA ANN DR ST CLOUD FL 347718247, ST CLOUD, FL 34771-8247

Mortgage

Document Number	56272477
Date	Nov 21, 2019
Book Page	005627/002477
Instrument	151874

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 20, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 124 Lena Ann Dr was $5,392 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,392.00 Homeowner's exemption	$378,644	$549,900 Land $75,000 Building $474,900
2023	$5,050.00 (+3.85%) Homeowner's exemption	$357,256 (+3%)	$525,000 (+5.93%) Land $60,000 Building $465,000
2022	$4,863.00 Homeowner's exemption	$346,851	$495,600 Land $55,000 Building $440,600

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

Flood

FEMA maps place 124 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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	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 124 Lena Ann Dr is moderate, ranking above 66% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 66% of the US · above 44% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 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

Violations Reported to EPA

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.

Internet Providers

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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