1110 UMBRIA LANE, ST CLOUD, FL, 34771
Active124 days on marketListed Apr 1, 2026MLS #TB8492248
About this home
1110 UMBRIA LANE
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.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,092
Sqft
0.17 ac
Lot size
2
Garage
2017
Year built
One
Levels
$214
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,413 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,413/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−0.6%
$/sqft vs St Cloud actives
$214 vs $219
Days on market
124 vs 33 typical
Where $214/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside St Cloud
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know St Cloud. See the full St Cloud guide →
ST CLOUD 34771 — neighborhood snapshot
Population
31,368
Median age
38.6
Median income
$101,434
Median home value
$427,500
Avg household
3.21
Households w/ children
4,183
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$412K → $407K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
213 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the ST CLOUD 34771 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 1110 UMBRIA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$456,000
5126 RAVENA AVENUE W · same community
4 bd · 2 ba · 2,092 sqft · $218/sqft · 60 DOM
Sold · Nov ’25$470,000
5133 APPENINE LOOP W · same community
4 bd · 3 ba · 2,272 sqft · $207/sqft · 31 DOM
Sold · Mar ’26$480,000
5128 RAVENA AVENUE W · same community
3 bd · 3 ba · 2,584 sqft · $186/sqft · 111 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Elizabeth Elliott
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1110 UMBRIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1110 UMBRIA LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Elizabeth's phone and CRM.
Straight answers
1110 UMBRIA LANE FAQs
What would the monthly payment be for 1110 UMBRIA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,413/mo — principal and interest, the actual property-tax bill, the $110/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 1110 UMBRIA LANE?+
The association fee works out to $110 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1110 UMBRIA LANE?+
The most recent tax bill on record (2025) was $3,772. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1110 UMBRIA LANE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $447,000, this home is listed about 5% above the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1110 UMBRIA LANE?+
Lakeview Elementary School (elementary), Narcoossee Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Agnieszka Pisarczyk. MLS #TB8492248.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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