940 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 940 Umbria Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,878 sqft · built 2018
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on Record
Last Sale	$330,000 (Mar 2026)
Tax Bill	$4,854 (2025)
Deeds & Mortgages	Mar 2026 Sale Aug 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-5051-0001-0510`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-5051-0001-0510`
Alternative APN	`253120505100010510`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,878 sqft Living Area
Gross Area	2,543 sqft
1st Floor Area	1,878 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Garage Type	Attached
Garage Area	609 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	940 UMBRIA LN
City	SAINT CLOUD
State	FL
Zip	34771-7960
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STONEWOOD ESTATES PB 24 PGS 143-148 LOT 51
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Block	510
Legal Lot Number	51
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3067
Census Tract	43700

Owner

Source: Osceola County records, as of July 14, 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 Record
Mailing Address	3401 FERNDELL DR, WINTER PARK, FL 32792-2060
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2026	Warranty Deed, Transfer ALL FLORIDA PROF TITLE LLC, ALL FL PROFESSIONAL TTL LLC
Aug 18, 2023	Agreement of Sale, Transfer · Seller Carry-Back LIZBEL DE JESUS
Feb 28, 2018	Special Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2026 · Amount on Record
Deed Sale	Mar 9, 2026 · Amount on Record
Prior Sale	Feb 28, 2018 · Amount on Record
Deed Document Number	202629801
Deed Book / Page	6933 / 318
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 9, 2026
Property Address	940 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number	0069330318
Book / Page	6933 / 318
Map Reference	MB 24 PG 143
Instrument Date	Jan 9, 2026
Instrument	2026029801
Transaction Type	Transfer
Record Updated	Mar 25, 2026
Title Company	ALL FLORIDA PROF TITLE LLC, ALL FL PROFESSIONAL TTL LLC

Transaction

Amount	Amount Recorded
Tax	$2,310.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	940 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3401 FERNDELL DR, WINTER PARK, FL 32792-2060

August 2023: Agreement of Sale, Transfer

Document Type	Agreement of Sale
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2023
Property Address	940 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number	0064601369
Book / Page	6460 / 1369
Map Reference	MB 24 PG 143
Instrument Date	Aug 7, 2023
Instrument	2023109138
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INFINITY ABSTRACT AND TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2050 SEWARD AVE # AVE10H, AVE10H, BRONX, NY 10473-2146

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	2050 SEWARD AVE APT 10H, 10H, BRONX, NY 10473-2144

Mortgage

Document Number	0064601374
Date	Aug 18, 2023
Instrument	6460/1374

Lender

Name	LIZBEL DE JESUS
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2043

February 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2018
Property Address	940 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number	0052930071
Book / Page	5293 / 0071
Map Reference	MB24 PG143-148
Instrument Date	Feb 27, 2018
Instrument	2018034069
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,852.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4776 NEW BROAD ST STE 150, 4776, ORLANDO, FL 32814-6407

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	940 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,854.00 (+5.04%)	$349,771 (+40.7%)	$350,300 (+5.2%) Land $70,000 Building $280,300
2024	$4,621.00 (+644.12%)
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$248,599 (+3%)	$333,000 (+26.38%) Land $60,000 Building $273,000
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$241,359	$263,500 Land $50,000 Building $213,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 59% of the US · lower than 67% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 155 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	1,200 / 35
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, T-Mobile.

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