Osceola County property record for 3410 Celena Cir, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,257 sqft · built 2003 |
| Lot Size | 0.048 acres (2,090 sqft) |
| Owner | Individual Name on File |
| Last Sale | $138,000 (Apr 2016) |
| Tax Bill | $1,643 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 10-26-30-0551-0001-0680 |
| Primary APN | 10-26-30-0551-0001-0680 |
|---|---|
| Alternative APNs |
|
| 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 |
| 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 | Slab |
| Porch Area | 239 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3410 CELENA CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5909 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR3 |
| Legal Description | MAGNOLIA GLEN PB 14 PG 170 LOT 68 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 10 |
| Legal Subdivision | MAGNOLIA GLEN |
| Legal Tract | 551 |
| Legal Block | 680 |
| Legal Lot Number | 68 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2038 |
| Census Tract | 43203 |
Source: Osceola County records · APN 10-26-30-0551-0001-0680
Assessment roll updated November 26, 2025 · Last verified July 2026
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 |
|---|---|
| Mailing Address | 3410 CELENA CIR, SAINT CLOUD, FL 34769-5909 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · FHA Mortgage VILLAGE CAPITAL & INVESTMENT LLC |
| Oct 03, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Jun 20, 2018 | Loan Modification, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 04, 2016 · Amount on Record |
| Deed Sale | Apr 04, 2016 · Amount on Record |
| Prior Sale | Apr 27, 2009 · Amount on Record |
| Deed Document Number | 201648559 |
| Deed Book / Page | 4938 / 802 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3410 CELENA CIR, SAINT CLOUD, FL 34769-5909 |
| Transaction Type | Mortgage |
| Record Updated | Dec 29, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3410 CELENA CIR, SAINT CLOUD, FL 34769-5909 |
| Document Number | 0068931505 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 6893/1505 |
| Instrument | 2025152611 |
| Name | VILLAGE CAPITAL & INVESTMENT LLC |
|---|---|
| Type | Mortgage Company |
| Address | HENDERSON, NV 89074 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 265 Months |
| Due | Jan 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3410 CELENA CIR, SAINT CLOUD, FL 34769-5909 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3410 CELENA CIR, SAINT CLOUD, FL 34769-5909 |
| Document Number | 0062930741 |
|---|---|
| Date | Oct 03, 2022 |
| Book Page | 6293/741 |
| Instrument | 2022146473 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Aug 01, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3410 CELENA CIR, SAINT CLOUD, FL 34769-5909 |
| Document Number | 0053702420 |
| Instrument Date | Jun 20, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 09, 2018 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3410 CELENA CIR ST CLOUD FL 347695909, ST CLOUD, FL 34769-5909 |
| Document Number | 0053702420 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 005370/002420 |
| Instrument | 111339 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | VIRGINIA BEACH, VA 23452 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $1,643.00 (-39.99%) Homeowner's exemption | $134,695 (+5.99%) | $225,700 (-2.97%) Land $35,000 Building $190,700 |
| 2023 | $2,738.00 (+87.02%) Homeowner's exemption | $127,087 (+3%) | $232,600 (+39.7%) Land $25,000 Building $207,600 |
| 2022 | $1,464.00 Homeowner's exemption | $123,386 | $166,500 Land $14,900 Building $151,600 |
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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