3401 Celena Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3401 Celena Cir, Saint Cloud, FL 34769 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,257 sqft · built 2003
Lot Size	0.048 acres (2,090 sqft)
Owner	2 Individual Names on File
Last Sale	$104,300 (Nov 2003)
Tax Bill	$817 (2025)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-26-30-0551-0001-0090`

Property Details

APN / Parcel Number

Primary APN	`10-26-30-0551-0001-0090`
Alternative APNs	`263010055100010090` `114827`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,257 sqft Living Area
Gross Area	1,736 sqft
1st Floor Area	1,257 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,090 sqft (0.048 acres)
Lot Dimensions	63.3 ft deep x 33.3 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	239 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3401 CELENA CIR
City	SAINT CLOUD
State	FL
Zip	34769-5912
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MAGNOLIA GLEN PB 14 PG 170 LOT 9
Legal Range	30E
Legal Township	26S
Legal Section	10
Legal Subdivision	MAGNOLIA GLEN
Legal Tract	551
Legal Block	90
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2037
Census Tract	43203

Owner

Source: Osceola County records · APN 10-26-30-0551-0001-0090

Assessment roll updated November 26, 2025 · Last verified August 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	3401 CELENA CIR, SAINT CLOUD, FL 34769-5912
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 04, 2003 · Amount on Record
Deed Sale	Nov 04, 2003 · Amount on Record
Deed Book / Page	2377 / 962
Record Updated	Sep 20, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3401 CELENA CIR, SAINT CLOUD, FL 34769-5912
Document Number	0057412888
Instrument Date	Jun 12, 2020
Transaction Type	Mortgage
Record Updated	Jul 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3401 CELENA CIR ST CLOUD FL 347695912, ST CLOUD, FL 34769-5912

Mortgage

Document Number	0057412888
Date	Jun 23, 2020
Book Page	005741/002888
Instrument	80366

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 22, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$817.00 (+9.66%) Homeowner's exemption	$88,531 (+5.99%)	$225,700 (-2.97%) Land $35,000 Building $190,700
2023	$745.00 (+6.13%) Homeowner's exemption	$83,531 (+3%)	$232,600 (+39.7%) Land $25,000 Building $207,600
2022	$702.00 Homeowner's exemption	$81,099	$166,500 Land $14,900 Building $151,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 71 individual NFIP policies nearby
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 Storm	Hurricane Irma, Sep 2017 · 2 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 231 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.