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910 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 910 Umbria Ln, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2017
Square Footage1,946 sqft Living Area
Lot Size2,178 sqft (0.05 acres)
GarageAttached, 512 sqft
Last Sale$303,000 (2019)
Tax Bill$4,539.00 (2024)

Property Details

APN / Parcel Number

Primary APN20-25-31-5051-0001-1320
Alternative APN
  • 253120505100011320

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area1,946 sqft Living Area
Gross Area2,740 sqft Gross Area
1st Floor992 sqft 1st Floor
Upper Floors954 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Effective Year BuiltEffective 2017
Architectural StyleCustom Design Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area2,178 sqft (0.05 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area512 sqft Garage
Patio Area323 sqft Patio
Porch Area282 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address910 UMBRIA LN
CitySAINT CLOUD
StateFL
Zip34771-7964
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSTONEWOOD ESTATES PB 24 PGS 143-148 LOT 132
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionSTONEWOOD ESTATES
Legal Tract5051
Legal Block1320
Legal Lot Number132
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3070
Census Tract43700

Owner

Source: Osceola County records · APN 20-25-31-5051-0001-1320

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 RecordIndividual Name on File
Mailing Address16807 FLORENCE VIEW DR, MONTVERDE, FL 34756-3423
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
NETWORK CAPITAL FUNDING CORP
Jun 20, 2019Warranty Deed, Transfer · Veterans Administration Mortgage
HOME1ST LENDING LLC
May 29, 2018Quit Claim Deed, Transfer
STEWART TITLE
Jan 03, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CROSSCOUNTRY MORTGAGE INC
Jan 20, 2017Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 20, 2019 · Amount on Record
Deed SaleJun 20, 2019 · Amount on Record
Prior SaleJan 03, 2018 · Amount on Record
Deed Doc Number201979867
Deed Book / Page5544 / 2817
Prior Transfer DateMay 25, 2018
Prior Transfer Doc0053402478
Record RefreshedJun 08, 2026

March 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address910 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Transaction TypeMortgage
Record UpdatedMay 02, 2022
Title CompanyUNISOURCE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0056972954
DateMar 25, 2020
Book Page5697/2954
Instrument2020042374
Lender
NameNETWORK CAPITAL FUNDING CORP
TypeMortgage Company
AddressIRVINE, CA 92618
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2050

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 20, 2019
Property Address910 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0055442817
Book / Page5544 / 2817
Map ReferenceMB 24 PG 143-148
Instrument DateJun 18, 2019
Instrument2019079867
Transaction TypeTransfer
Record UpdatedMay 02, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,121.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address910 UMBRIA LN, SAINT CLOUD, FL 34771-7964

Mortgage

Document Number0055442819
DateJun 20, 2019
Instrument5544/2819
Lender
NameHOME1ST LENDING LLC
TypeLending Institution
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2049

May 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMay 29, 2018
Property Address910 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0053402478
Book / Page005340 / 002478
Instrument DateMay 25, 2018
Instrument83201
Transaction TypeTransfer
Record UpdatedJun 26, 2018
Title CompanySTEWART TITLE

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address910 UMBRIA LN ST CLOUD FL 347717964, ST CLOUD, FL 34771-7964

January 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 03, 2018
Property Address910 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0052631201
Book / Page5263 / 1201
Map ReferenceMB24 PG143-148
Instrument DateDec 29, 2017
Instrument2018001647
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanySTEWART TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,904.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address1950 E IRLO BRONSON MEMORIAL HWY, 1950, KISSIMMEE, FL 34744-5394

Transferred To (Grantee/Buyer)

NameVerified Name
Address5155 RAVENA AVE E, SAINT CLOUD, FL 34771-7930

Mortgage

Document Number2018001650
DateJan 03, 2018
Instrument2018001650
Lender
NameCROSSCOUNTRY MORTGAGE INC
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueJan 01, 2048

January 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJan 20, 2017
Property Address910 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0050890095
Book / Page005089 / 000095
Instrument DateJan 20, 2017
Instrument11385
Transaction TypeTransfer
Record UpdatedFeb 13, 2017

Transaction

Tax$0.00
Additional
  • Quitclaim Document
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address1950 E IRLO BRONSON MEMORIAL HWY #H KISSIMMEE FL 347445394, H, KISSIMMEE, FL 34744-5394

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$4,561.00 (+0.48%)$277,800 (-10.53%) Land $45,000 Building $232,800$277,800 (-10.53%) Land $45,000 Building $232,800
2024$4,539.00 (-4.12%)
2023$4,734.00 (+13.09%)$310,500 (+20.21%) Land $14,900 Building $295,600$310,500 (+20.21%) Land $14,900 Building $295,600
2022$4,186.00$258,300 Land $14,900 Building $243,400$258,300 Land $14,900 Building $243,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 59% of the US · above 32% of Florida
Wildfire LikelihoodAbout 1 in 543 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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