Osceola County property record for 970 Umbria Ln, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,548 sqft · built 2017 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,300 (Jan 2017) |
| Tax Bill | $4,345 (2025) |
| Deeds & Mortgages | Nov 2019 Loan Modification Nov 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531505100010540 |
| Primary APN | 202531505100010540 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,548 sqft Heated Area |
| Gross Area | 3,326 sqft |
| 1st Floor Area | 1,760 sqft |
| Upper Floors Area | 788 sqft |
| 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) |
| Garage Type | Finished |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 250 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 970 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 54 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | STONEWOOD ESTATES |
| Legal Tract | 5051 |
| Legal Lot Number | 54 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3067 |
| Census Tract | 43700 |
Source: Osceola County records · APN 202531505100010540
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 | 970 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 07, 2019 | Loan Modification, Mortgage · FHA Mortgage FBC MTG |
| Nov 07, 2019 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Jan 11, 2017 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 11, 2017 · Amount on Record |
| Deed Sale | Jan 11, 2017 · Amount on Record |
| Deed Document Number | 0050841552 |
| Deed Book / Page | 5084 / 1552 |
| Record Updated | Jun 08, 2026 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 970 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0056622871 |
| Instrument Date | Nov 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 970 UMBRIA LN ST CLOUD FL 347717960, ST CLOUD, FL 34771-7960 |
| Document Number | 0056622871 |
|---|---|
| Date | Jan 23, 2020 |
| Book Page | 005662/002871 |
| Instrument | 11708 |
| Name | FBC MTG |
|---|---|
| Type | Mortgage Company |
| Address | EWING, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 22, 2050 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 970 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0056351753 |
| Instrument Date | Nov 07, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Dec 24, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 970 UMBRIA LN ST CLOUD FL 347717960, ST CLOUD, FL 34771-7960 |
| Document Number | 0056351753 |
|---|---|
| Date | Dec 06, 2019 |
| Book Page | 005635/001753 |
| Instrument | 158034 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 05, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 11, 2017 |
| Property Address | 970 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0050841552 |
| Book / Page | 5084 / 1552 |
| Map Reference | MB 24 PG 143-148 |
| Instrument Date | Jan 06, 2017 |
| Instrument | 2017006348 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 02, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,025.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4776 NEW BROAD ST STE 150, 4776, ORLANDO, FL 32814-6407 |
| Name | Verified Name |
|---|---|
| Address | 970 UMBRIA LN, SAINT CLOUD, FL 34771-7960 |
| Document Number | 0050841554 |
|---|---|
| Date | Jan 11, 2017 |
| Instrument | 5084/1554 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2047 |
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 | $4,345.00 (+7.18%) Homeowner's exemption | $303,075 (+5.99%) | $405,500 (+4.81%) Land $70,000 Building $335,500 |
| 2023 | $4,054.00 (+4.08%) Homeowner's exemption | $285,956 (+3%) | $386,900 (+26.52%) Land $60,000 Building $326,900 |
| 2022 | $3,895.00 Homeowner's exemption | $277,628 | $305,800 Land $50,000 Building $255,800 |
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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