Osceola County property record for 3328 Celena Cir, Saint Cloud, FL 34769
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,578 sqft · built 2003 |
| Lot Size | 0.037 acres (1,655 sqft) |
| Owner | Individual Name on File |
| Last Sale | $184,900 (Jul 2018) |
| Tax Bill | $2,365 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 114906 |
| Primary APN | 114906 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,578 sqft Heated Area |
| Gross Area | 1,938 sqft |
| 1st Floor Area | 1,158 sqft |
| Upper Floors Area | 420 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,655 sqft (0.037 acres) |
| Lot Dimensions | 63 ft deep x 26 ft wide |
| Garage Type | Finished |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 120 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 114906 |
|---|---|
| Street Address | 3328 CELENA CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5901 |
| Property Category | Residential |
| Property Type | Residential > Condominium / Townhouse > Townhouse |
| Local Zoning Code | SR3 |
| Legal Description | MAGNOLIA GLEN PB 14 PG 170 LOT 87 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | MAGNOLIA GLEN |
| Legal Tract | 551 |
| Legal Block | 1 |
| Legal Lot Number | 87 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 43203 |
Source: Osceola County records · APN 114906
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3328 CELENA CIR, SAINT CLOUD, FL 34769-5901 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 22, 2019 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Jul 02, 2018 | Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2018 · Amount on Record |
| Deed Sale | Jul 02, 2018 · Amount on Record |
| Prior Sale | May 09, 2016 · Amount on Record |
| Deed Document Number | 2018101288 |
| Deed Book / Page | 5360 / 0354 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3328 CELENA CIR, SAINT CLOUD, FL 34769-5901 |
| Document Number | 0054852527 |
| Instrument Date | Feb 22, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 15, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3328 CELENA CIR ST CLOUD FL 347695901, ST CLOUD, FL 34769-5901 |
| Document Number | 0054852527 |
|---|---|
| Date | Mar 04, 2019 |
| Book Page | 005485/002527 |
| Instrument | 27523 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 03, 2049 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 02, 2018 |
| Property Address | 3328 CELENA CIR, SAINT CLOUD, FL 34769-5901 |
| Document Number | 0053600354 |
| Book / Page | 5360 / 0354 |
| Map Reference | MB14 PG170 |
| Instrument Date | Jun 29, 2018 |
| Instrument | 2018101288 |
| Transaction Type | Transfer |
| Record Updated | Aug 19, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,294.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2538 CHRISTINE DR, 2538, KISSIMMEE, FL 34744-2762 |
| Name | Verified Name |
|---|---|
| Address | 3328 CELENA CIR, SAINT CLOUD, FL 34769-5901 |
| Document Number | 2018101289 |
|---|---|
| Date | Jul 02, 2018 |
| Instrument | 2018101289 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $2,365.00 (+6.82%) Homeowner's exemption | $175,012 (+5.99%) | $250,200 (-3.51%) Land $35,000 Building $215,200 |
| 2023 | $2,214.00 (+3.94%) Homeowner's exemption | $165,127 (+3%) | $259,300 (+39.33%) Land $25,000 Building $234,300 |
| 2022 | $2,130.00 Homeowner's exemption | $160,318 | $186,100 Land $14,900 Building $171,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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, water system FL3491373, 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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