Osceola County property record for 3309 Celena Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,372 sqft · built 2004 |
| Lot Size | 0.049 acres (2,134 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $174,000 (Nov 2018) |
| Tax Bill | $2,199 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-30-0551-0001-0550 |
| Primary APN | 10-26-30-0551-0001-0550 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,372 sqft Living Area |
| Gross Area | 1,802 sqft |
| 1st Floor Area | 1,372 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,134 sqft (0.049 acres) |
| Lot Dimensions | 63.3 ft deep x 33.7 ft wide |
| Garage Type | Attached |
| Garage Area | 306 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Florida Room |
| Porch Area | 124 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3309 CELENA CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | MAGNOLIA GLEN PB 14 PG 170 LOT 55 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | MAGNOLIA GLEN |
| Legal Tract | 551 |
| Legal Block | 550 |
| Legal Lot Number | 55 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2037 |
| Census Tract | 43203 |
Source: Osceola County records · APN 10-26-30-0551-0001-0550
Assessment roll updated November 26, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 3309 CELENA CIR, SAINT CLOUD, FL 34769-5911 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 02, 2020 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| Nov 16, 2018 | Warranty Deed, Transfer · FHA Mortgage NMB HM LNS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2018 · Amount on Record |
| Deed Sale | Nov 16, 2018 · Amount on Record |
| Prior Sale | Jun 11, 2007 · Amount on Record |
| Deed Document Number | 2018169403 |
| Deed Book / Page | 5434 / 1255 |
| Prior Transfer Date | May 30, 2007 |
| Prior Transfer Doc | 0034980238 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3309 CELENA CIR, SAINT CLOUD, FL 34769-5911 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3309 CELENA CIR, SAINT CLOUD, FL 34769-5911 |
| Document Number | 0058240476 |
|---|---|
| Date | Nov 02, 2020 |
| Book Page | 5824/476 |
| Instrument | 2020148374 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 16, 2018 |
| Property Address | 3309 CELENA CIR, SAINT CLOUD, FL 34769-5911 |
| Document Number | 0054341255 |
| Book / Page | 005434 / 001255 |
| Instrument Date | Nov 02, 2018 |
| Instrument | 169403 |
| Transaction Type | Transfer |
| Record Updated | Dec 06, 2018 |
| Title Company | YOUR TITLE CONNECTION LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,218.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3309 CELENA CIR ST CLOUD FL 347695911, ST CLOUD, FL 34769-5911 |
| Document Number | 54341257 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 005434/001257 |
| Instrument | 169404 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,199.00 (+3.73%) Homeowner's exemption | $165,777 (+5.99%) | $238,300 (-3.21%) Land $35,000 Building $203,300 |
| 2024 | $2,120.00 (+3.01%) | ||
| 2023 | $2,058.00 (+4.1%) Homeowner's exemption | $156,413 (+3%) | $246,200 (+39.57%) Land $25,000 Building $221,200 |
| 2022 | $1,977.00 Homeowner's exemption | $151,858 | $176,400 Land $14,900 Building $161,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 71 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 2 (2017) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
| Claims by Event |
|
| Wildfire Risk | Low lower than 64% of the US · lower than 90% of Florida |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Lumen Technologies, Verizon.
Based on FCC filings for 231 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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