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920 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 920 Umbria Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Condominium / Townhouse > Townhouse
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2017
Square Footage1,946 sqft Heated Area
Lot Size2,178 sqft (0.05 acres)
OccupancyOwner Occupied
Last Sale$285,500 (2017)
Tax Bill$3,858.00 (2025)

Property Details

APN / Parcel Number

Primary APN202531505100011330

Interior

Bedrooms4 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area1,946 sqft Heated Area
Gross Area2,740 sqft Gross Area
1st Floor992 sqft 1st Floor
Upper Floors954 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area2,178 sqft (0.05 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area512 sqft Garage
Patio Area323 sqft Patio
PorchOpen Porch
Porch Area282 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address920 UMBRIA LN
CitySAINT CLOUD
StateFL
Zip34771-7964
Property UsageResidential Property Usage
TypeResidential > Condominium / Townhouse > Townhouse
Legal DescriptionSTONEWOOD ESTATES PB 24 PGS 143-148 LOT 133
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionSTONEWOOD ESTATES
Legal Tract5051
Legal Lot Number133
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3070
Census Tract43700

Owner

Source: Osceola County records · APN 202531505100011330

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 RecordIndividual Name on File
Mailing Address920 UMBRIA LN, SAINT CLOUD, FL 34771-7964
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Mar 07, 2023Deed of Trust, Mortgage · Line of Credit
ADDITION FINANCIAL CU
Mar 13, 2018Deed of Trust, Mortgage
QUICKEN LNS
Sep 05, 2017Warranty Deed, Transfer
STEWART TITLE
Jan 20, 2017Quit Claim Deed, Transfer
Quitclaim Document

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 05, 2017 · Amount on Record
Deed SaleSep 05, 2017 · Amount on Record
Prior SaleJan 20, 2017
Deed Doc Number2017127457
Deed Book / Page5204 / 2299
Record RefreshedJun 08, 2026

March 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address920 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyPRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address920 UMBRIA LN, SAINT CLOUD, FL 34771-7964

Mortgage

Document Number0063671928
DateMar 07, 2023
Book Page6367/1928
Instrument2023026259
Lender
NameADDITION FINANCIAL CU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueMar 06, 2058
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

March 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address920 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0053042620
Instrument DateMar 13, 2018
Transaction TypeMortgage
Record UpdatedApr 16, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address920 UMBRIA LN ST CLOUD FL 347717964, ST CLOUD, FL 34771-7964

Mortgage

Document Number0053042620
DateMar 22, 2018
Book Page005304/002620
Instrument45900
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
AmountAmount Recorded
Term240 Months
DueMar 21, 2038

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 05, 2017
Property Address920 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0052042299
Book / Page005204 / 002299
Instrument DateAug 29, 2017
Instrument127457
Transaction TypeTransfer
Record UpdatedOct 06, 2017
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,998.00
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address920 UMBRIA LN ST CLOUD FL 347717964, ST CLOUD, FL 34771-7964

January 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJan 20, 2017
Property Address920 UMBRIA LN, SAINT CLOUD, FL 34771-7964
Document Number0050890093
Book / Page005089 / 000093
Instrument DateJan 20, 2017
Instrument11384
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 July 1, 2025 · Last verified December 2025

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$3,858.00 (+5.15%) Homeowner's exemption$267,947 (+2.9%)$277,800 (-1.87%) Land $45,000 Building $232,800
2024$3,669.00 (+2.17%) Homeowner's exemption$260,396 (+3%)$283,100 (-8.82%) Land $45,000 Building $238,100
2023$3,591.00 (+4.24%) Homeowner's exemption$252,812 (+3%)$310,500 (+20.21%) Land $14,900 Building $295,600
2022$3,445.00 Homeowner's exemption$245,449$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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