Osceola County property record for 1389 Lumpini St, Saint Cloud, FL 34771
| Property Type | Vacant Land |
|---|---|
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Company Name on Record |
| Last Sale | $480,990 (Jan 2026) |
| Tax Bill | $2,691 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Jun 2025 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-25-31-0943-0001-0430 |
| Primary APN | 32-25-31-0943-0001-0430 |
|---|---|
| Alternative APN |
|
| Lot Area | 8,276 sqft (0.19 acres) |
|---|
| Street Address | 1389 LUMPINI ST |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-6211 |
| Property Category | Vacant Land |
| Property Type | Vacant Land > Uncategorized |
| Legal Description | CENTER LAKE ON THE PARK PB 35 PGS 74-79 LOT 43 |
| Legal Subdivision | CENTER LAKE ON THE PARK |
| Legal Lot Number | 43 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 43700 |
Source: Osceola County records, as of April 6, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 6200 METROWEST BLVD, 208, ORLANDO, FL 32835-7638 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| Jul 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage BRANSON BANK |
| Jun 2, 2025 | Deed of Trust, Mortgage · FHA Mortgage M/I FINANCIAL LLC |
| Jan 21, 2026 | Special Warranty Deed, Transfer · Balloon Mortgage PALERMO LENDER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 21, 2026 · Amount on Record |
| Deed Sale | Jan 21, 2026 · Amount on Record |
| Deed Document Number | 20268446 |
| Deed Book / Page | 6910 / 1840 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 24, 2026 |
| Property Address | 1389 LUMPINI ST, SAINT CLOUD, FL 34771-6211 |
| Document Number | 0000096961 |
| Book / Page | 7009 / 566 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 202696961 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | EXPRESS TITLE AND CLOSING LLC, EXPRESS TITLE & CLOSING |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $353,500.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 6735 CONROY RD, 233, ORLANDO, FL 32835-3570 |
| Document Number | 0000096962, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 202696962 |
| Name | BRANSON BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.13% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1389 LUMPINI ST, SAINT CLOUD, FL 34771-6211 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|---|
| Address | 10038 BROWN BURROW ST, ORLANDO, FL 32829-7433 |
| Document Number | 0067962782 |
|---|---|
| Date | Jun 2, 2025 |
| Book Page | 6796/2782 |
| Instrument | 2025068733 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 21, 2026 |
| Property Address | 1389 LUMPINI ST, SAINT CLOUD, FL 34771-6211 |
| Document Number | 0069101840 |
| Book / Page | 6910 / 1840 |
| Map Reference | MB 35 PG 74-79 |
| Instrument Date | Jan 9, 2026 |
| Instrument | 2026008446 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Title Company | NEW DOOR TITLE INSURANCE LLC, NEW HOME TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,367.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PARKWAY, WINTER GARDEN, FL 34787 |
| Name | Verified Name |
|---|---|
| Address | 6200 METROWEST BLVD STE 208, 208, ORLANDO, FL 32835-7638 |
| Document Number | 0069101843 |
|---|---|
| Date | Jan 21, 2026 |
| Instrument | 6910/1843 |
| Name | PALERMO LENDER LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 19 Months |
| Due | Aug 1, 2027 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,691.00 (+277.42%) | $70,000 Land $70,000 | $70,000 Land $70,000 |
| 2024 | $713.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 | High above 75% of the US · above 62% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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