$449,000
1110 Umbria Lane
St Cloud, FL 34771
Listing updated: July 21, 2026 at 7:49 PM ET
Listing courtesy of Lpt Realty, Llc · Agnieszka Pisarczyk · MLS #TB8492248 · Active · 877-366-2213Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Garage spaces
Flood zone
About this home
Improved Price. MAGNIFICENT & COVETED - THE RETREAT AT NARCOOSSEE VILLAGE! No Flood Zone and No CDD! Move-in ready and impeccably maintained by meticulous owners, this beautifully updated home offers a modern feel with a highly functional layout. Enjoy this 4-bedroom, 2-bathroom home with a spacious living and dining room combination alongside a well-appointed kitchen featuring wood cabinetry and stainless steel appliances, perfect for entertaining guests or enjoying quality time with family. Durable flooring throughout the main living areas provides an easy-to-maintain surface, and the central HVAC system with UV Light adds year-round comfort. while multiple ceiling fans enhance airflow. The primary suite offers a relaxing retreat with a garden tub, a separate sunken shower, and dual vanities. Additional highlights include double-pane, energy-efficient windows and sliding doors, fresh 2026 interior and exterior paint, a leased solar system, a whole-house water filtration system, and reverse osmosis at the kitchen sink for high-quality drinking water and added efficiency. The fully fenced, private backyard offers ample space for a future pool or additional storage. The home combines comfort, efficiency, and functionality in a prime location-just minutes from dining, shopping, Lake Nona, Medical City, and Orlando International Airport. Don't miss this rare opportunity and call today for your private showing. Motivated Sellers.
Estimated monthly payment
Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.
Price & listing history111 days on market
- Status: ActiveApr 1, 2026
- Listed$475,000Apr 1, 2026
- Price reduced$449,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 111
- Subdivision
- Narcoossee Village Ph 1
- County
- Osceola
- Year built
- 2017
- Living area
- 2,092 sq ft
- Price/sq ft
- $215
- Building area
- 2,687 sq ft (Public Records)
- Lot size
- 7,405 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X
- Garage
- 2 spaces
- Annual taxes
- $3,772 (2025)
- Parcel #
- 20-25-31-4258-0001-0800
- Zoning
- RES
- MLS #
- TB8492248
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Flooring
- Carpet, Tile
- Appliances
- Disposal, Dryer, Electric Water Heater, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Solar Hot Water, Washer, Water Filtration System
- Interior features
- Attic Ventilator, Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
- Laundry
- Inside, Laundry Room
- Stories / Levels
- One
- Direction faces
- East
Heating & Cooling
- Heating
- Central, Electric, Solar
- Cooling
- Central Air
Parking
- Garage spaces
- 2
- Attached garage
- Yes
HOA & Financial
- HOA fee
- $110 / Monthly
- Monthly HOA
- $110/mo
- Total monthly fees
- $110/mo
- Total annual fees
- $1,320
- HOA name
- Kayla Govan
- CDD
- No
- Homestead exemption
- Yes
- Min lease term
- 8-12 Months
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- Yes
- Additional lease restrictions
- min lease 12 months, no more than 2 times per year
Exterior & Construction
- Exterior features
- Private Yard, Rain Gutters, Sidewalk, Sliding Doors, Sprinkler Metered
- Construction materials
- Block, Stone, Stucco
- Roof
- Shingle
- Foundation
- Slab
- Water view
- Yes
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Cable Available, Electricity Connected, Phone Available, Sewer Connected, Sprinkler Meter, Underground Utilities, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Primary Bedroom | First | 13x24 |
| Office | First | 12x17.5 |
| Kitchen | First | 10.5x17 |
| Great Room | First | 15x21 |
Listing Details
- Listing date
- 2026-04-01
- On market date
- 2026-04-01
- Original list price
- $475,000
- Occupant type
- Vacant
- MLS area
- 34771 - St Cloud (Magnolia Square)
- Listing AOR
- Orlando Regional
- Status changed
- 2026-04-01
- Tax legal description
- NARCOOSSEE VILLAGE PH 1 PB 22 PG 141-145 LOT 80
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From Narcoossee Road, take Sicily Drive, at the end of the street, take a left onto Umbria Lane, follow the numbers, the house will be on the left side of the street.
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Listings courtesy of Stellar MLS as distributed by MLS GRID
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.
Based on information submitted to the MLS GRID as of July 21, 2026 at 7:49 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.
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