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950 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 950 Umbria Ln, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,214 sqft · built 2017
Lot Size0.169 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$275,967 (Sep 2017)
Tax Bill$3,965 (2025)
Deeds & MortgagesMar 2021 Mortgage
Aug 2024 Second Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN202531505100010520

Property Details

APN / Parcel Number

Primary APN202531505100010520

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,214 sqft Heated Area
Gross Area2,824 sqft
1st Floor Area2,214 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
Garage Area507 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area103 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address950 UMBRIA LN
CitySAINT CLOUD
StateFL
Zip34771-7960
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSTONEWOOD ESTATES PB 24 PGS 143-148 LOT 52
Legal Range31E
Legal Township25S
Legal Section20
Legal SubdivisionSTONEWOOD ESTATES
Legal Tract5051
Legal Lot Number52
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3067
Census Tract43700

Owner

Source: Osceola County records · APN 202531505100010520

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
Co-ownerVerified Secondary Owner
Mailing Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2021Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LOAN SERVICING LLC
Aug 27, 2024Deed of Trust, Mortgage · Stand-Alone Second Mortgage
PMAC LENDING SERVICES INC
Jun 03, 2019Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LN SERVICING
Sep 05, 2017Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 05, 2017 · Amount on Record
Deed SaleSep 05, 2017 · Amount on Record
Deed Document Number2017127416
Deed Book / Page5204 / 2106
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyWFG LENDER SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Mortgage

Document Number0059142985
DateMar 18, 2021
Book Page5914/2985
Instrument2021040288
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

August 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Mortgage

Document Number0066552916
DateAug 27, 2024
Book Page6655/2916
Instrument2024111105
Lender
NamePMAC LENDING SERVICES INC
TypeMortgage Company
AddressBREA, CA 92821
Agreement
TypeStand-Alone Second Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2054

June 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number0055372282
Instrument DateJun 03, 2019
Transaction TypeMortgage
Record UpdatedJun 21, 2019
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address950 UMBRIA LN ST CLOUD FL 347717960, ST CLOUD, FL 34771-7960

Mortgage

Document Number0055372282
DateJun 10, 2019
Book Page005537/002282
Instrument74014
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressCORAL GABLES, FL 33146
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 09, 2049

September 2017: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 05, 2017
Property Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number0052042106
Book / Page5204 / 2106
Map ReferenceMB24 PG143-148
Instrument DateAug 30, 2017
Instrument2017127416
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyFIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,932.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4776 NEW BROAD ST STE 250, 4776, ORLANDO, FL 32814-6431

Transferred To (Grantee/Buyer)

NameVerified Name
Address950 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Mortgage

Document Number0052042108
DateSep 05, 2017
Instrument5204/2108
Lender
NameFINANCE OF AMERICA MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueSep 01, 2047

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$3,965.00 (+7.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$280,610 (+5.99%)$377,800 (+4.97%) Land $70,000 Building $307,800
2023$3,688.00 (+4.24%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$264,760 (+3%)$359,900 (+26.46%) Land $60,000 Building $299,900
2022$3,538.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$257,049$284,600 Land $50,000 Building $234,600

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 120970437003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 70 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 in force

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; 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 155 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable1,200 / 35
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: T-Mobile USA, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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