Osceola County property record for 960 Umbria Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 3,607 sqft · built 2017 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $317,332 (Dec 2017) |
| Tax Bill | $5,125 (2025) |
| Deeds & Mortgages | May 2021 Mortgage Dec 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531505100010530 |
| Primary APN | 202531505100010530 |
|---|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 3,607 sqft Heated Area |
| Gross Area | 4,385 sqft Gross Area |
| 1st Floor Area | 1,760 sqft 1st Floor |
| Upper Floors Area | 788 sqft Upper Floors |
| Stories | 2 Stories |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 528 sqft Garage |
| Pool Area | 284 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 542 sqft Deck |
| Porch | Porch |
| Porch Area | 250 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 960 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 53 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | STONEWOOD ESTATES |
| Legal Tract | 5051 |
| Legal Lot Number | 53 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3067 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531505100010530
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 960 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| Dec 27, 2017 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 27, 2017 · Amount on Record |
| Deed Sale | Dec 27, 2017 · Amount on Record |
| Deed Document Number | 2017183137 |
| Deed Book / Page | 5259 / 1217 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 960 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|---|
| Address | 960 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0059502083 |
|---|---|
| Date | May 04, 2021 |
| Book Page | 5950/2083 |
| Instrument | 2021068330 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | May 01, 2046 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 27, 2017 |
| Property Address | 960 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0052591217 |
| Book / Page | 5259 / 1217 |
| Map Reference | MB24 PG143-148 |
| Instrument Date | Dec 22, 2017 |
| Instrument | 2017183137 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,221.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4776 NEW BROAD ST STE 150, 4776, ORLANDO, FL 32814-6407 |
| Name | Verified Name |
|---|---|
| Address | 950 UMINAI LN ST, SAINT CLOUD, FL 34771 |
| Document Number | 2017183138 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 2017183138 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $5,125.00 (+42.01%) Homeowner's exemption | $359,351 (+41.41%) | $550,000 (+33.59%) Land $70,000 Building $480,000 |
| 2023 | $3,609.00 (+4.22%) Homeowner's exemption | $254,122 (+3%) | $411,700 (+24.16%) Land $60,000 Building $351,700 |
| 2022 | $3,463.00 Homeowner's exemption | $246,721 | $331,600 Land $50,000 Building $281,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 59% of the US · above 32% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 543 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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