980 Umbria Ln, Saint Cloud, FL 34771 Property Records

Osceola County property record for 980 Umbria Ln, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,025 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$356,400 (Apr 2018)
Tax Bill	$712 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202531505100010550`

Property Details

APN / Parcel Number

Primary APN	`202531505100010550`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,025 sqft Heated Area
Gross Area	3,752 sqft
1st Floor Area	1,465 sqft
Upper Floors Area	1,560 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
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	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	244 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	980 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 55
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	STONEWOOD ESTATES
Legal Tract	5051
Legal Lot Number	55
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	980 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 2, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2018 · Amount on Record
Deed Sale	Apr 2, 2018 · Amount on Record
Deed Document Number	2018050392
Deed Book / Page	5309 / 0069
Record Updated	Jun 8, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	980 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	980 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Mortgage

Document Number	0059182323
Date	Mar 23, 2021
Book Page	5918/2323
Instrument	2021043302

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

April 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2018
Property Address	980 UMBRIA LN, SAINT CLOUD, FL 34771-7960
Document Number	0053090069
Book / Page	5309 / 0069
Map Reference	MB24 PG143-148
Instrument Date	Mar 29, 2018
Instrument	2018050392
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,494.80
Amount Accuracy	Rounded by County
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	980 UMBRIA LN, SAINT CLOUD, FL 34771-7960

Mortgage

Document Number	2018050393
Date	Apr 2, 2018
Instrument	2018050393

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2033

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$315,465 (+5.99%)	$460,700 (+4.51%) Land $70,000 Building $390,700
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,646 (+3%)	$440,800 (+26.45%) Land $60,000 Building $380,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$288,977	$348,600 Land $50,000 Building $298,600

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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