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For sale
    • Price cut: $2K (7/22)
    $447,000

    1110 UMBRIA LANE, ST CLOUD, FL 34771

    4beds
    2,092sqft
    : 
    $2,991/mo
    Get pre-qualified
    Single Family Residence
    Built in 2017
    7,405 Square Feet Lot
    $442,500 Zestimate®
    $214/sqft
    $110/mo HOA

    What's special

    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.
    121 days
    |
    217
    |
    16
    |

    Zillow last checked:

    Listing updated:

    Listed by:

    Agnieszka Pisarczyk 813-416-8210,

    LPT REALTY, LLC 877-366-2213

    Source: Stellar MLS,MLS#: TB8492248MLS LogoOriginating MLS: Orlando Regional

      Facts & features

      Interior

      Bedrooms & bathrooms
      • Bedrooms: 4
      • Bathrooms: 2
      • Full bathrooms: 2
      Rooms
      • Room types: Den/Library/Office
      Primary bedroom
      • Features: Stone Counters, Sunken Shower, Water Closet/Priv Toilet, Walk-In Closet(s)
      • Level: First
      • Area: 312 Square Feet
      • Dimensions: 13x24
      Great room
      • Features: No Closet
      • Level: First
      • Area: 315 Square Feet
      • Dimensions: 15x21
      Kitchen
      • Features: Breakfast Bar, Pantry, Built-in Features, Granite Counters, Kitchen Island, Storage Closet
      • Level: First
      • Area: 178.5 Square Feet
      • Dimensions: 10.5x17
      Office
      • Features: No Closet
      • Level: First
      • Area: 210 Square Feet
      • Dimensions: 12x17.5
      Heating
      • Central, Electric, Solar
      Cooling
      • Central Air
      Appliances
      • Included: Disposal, Dryer, Electric Water Heater, Kitchen Reverse Osmosis System, Microwave, Range, Refrigerator, Solar Hot Water Rented, Washer, Water Filtration System
      • Laundry: Inside, Laundry Room
      Features
      • Attic Ventilator, Ceiling Fan(s), Eating Space 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)
      • Flooring: Carpet, Tile
      • Doors: Sliding Doors
      • Windows: Window Treatments
      • Has fireplace: No
      Interior area
      • Total structure area: 2,687
      • Total interior livable area: 2,092 sqft
      Video & virtual tour

      Property

      Parking
      • Total spaces: 2
      • Parking features: Garage - Attached
      • Attached garage spaces: 2
      • Details: Garage Dimensions: 19x20
      Features
      • Levels: One
      • Stories: 1
      • Exterior features: Irrigation System, Private Yard, Rain Gutters, Sidewalk, Sprinkler Metered
      • Has view: Yes
      • View description: Pond
      • Has water view: Yes
      • Water view: Pond
      Lot
      • Size: 7,405 Square Feet
      Details
      • Parcel number: 202531425800010800
      • Zoning: RES
      • Special conditions: None

      Construction

      Type & style
      • Home type: SingleFamily
      • Property subtype: Single Family Residence
      Materials
      • Block, Stone, Stucco
      • Foundation: Slab
      • Roof: Shingle
      Condition
      • New construction: No
      • Year built: 2017

      Utilities & green energy

      • Sewer: Public Sewer
      • Water: Public
      • Utilities for property: Cable Available, Electricity Connected, Phone Available, Sewer Connected, Sprinkler Meter, Underground Utilities, Water Connected

      Community & HOA

      Community
      • Features: Clubhouse, Deed Restrictions, Park, Playground, Pool, Sidewalks
      • Pet fee: $0 monthly
      • Subdivision: NARCOOSSEE VILLAGE PH 1
      HOA
      • Has HOA: Yes
      • Amenities included: Clubhouse, Park, Playground, Pool
      • Services included: Common Area Taxes, Community Pool, Pool Maintenance
      • HOA fee: $110 monthly
      • HOA name: Kayla Govan
      • HOA phone: 407-214-9727
      Location
      • Region: Saint Cloud

      Financial & listing details

      • Price per square foot: $214/sqft
      • Tax assessed value: $354,300
      • Annual tax amount: $3,771
      • Date on market: 4/1/2026
      • Cumulative days on market: 122 days
      • Listing terms: Cash,Conventional,FHA,VA Loan
      • Ownership: Fee Simple
      • Total actual rent: 0
      • Electric utility on property: Yes
      • Road surface type: Asphalt

        Estimated market value

        $442,500

        $420,000 - $465,000

        $2,630/mo

        Price history

        DateEventPrice
        7/22/2026Price change$447,000-0.4%$214/sqft
        Source: Stellar MLS #TB8492248 Report a problem
        6/23/2026Price change$449,000-1.3%$215/sqft
        Source: Stellar MLS #TB8492248 Report a problem
        5/31/2026Price change$455,000-0.9%$217/sqft
        Source: Stellar MLS #TB8492248 Report a problem
        5/15/2026Price change$459,000-2.1%$219/sqft
        Source: Stellar MLS #TB8492248 Report a problem
        4/22/2026Price change$469,000-1.3%$224/sqft
        Source: Stellar MLS #TB8492248 Report a problem
        4/1/2026Listed for sale$475,000+67.3%$227/sqft
        Source: Stellar MLS #TB8492248 Report a problem
        9/13/2017Sold$284,000$136/sqft
        Source: Public Record Report a problem

        Public tax history

        YearProperty taxesTax assessment
        2025$3,772 +0.7%$354,300 -6.3%
        2024$3,747 +2.2%$378,100 +4.2%
        2023$3,668 +4.2%$362,700 +16.1%
        2022$3,520 +0.7%$312,400 +22%
        2021$3,494 +1.5%$256,100 +6.7%
        2020$3,442 +1.1%$240,100 +2%
        2019$3,403 $235,300 -0.8%
        2018$3,403 -14.5%$237,300 +427.3%
        2017$3,981 +477.2%$45,000
        2016$690 -1.1%$45,000
        2015$697 -2.6%$45,000 +2.3%
        2014$716 $44,000
        Find assessor info on the county website

        Monthly payment

        Est. payment

        Payment breakdown

        Explore the cost of this home by adjusting the details. Changes won't be saved.
        All calculations are estimates and provided by Zillow, Inc. for informational purposes only. Actual amounts may vary.
        HOA fees may include property taxes on listings classified as Co-Ops. Contact the listing agent and/or owner for fee details.
        Mortgage interest rates are dependent on a number of factors, including credit score, down payment, and repayment length. Interest rate data provided by Zillow Group Marketplace, Inc. as of 1/1/1970 from various mortgage lenders with which we have lead or other similar arrangements; the Estimated Payment is an average of those rates.
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        Climate risks

        Neighborhood: 34771

        Getting around

        11 / 100
        Car-Dependent
        36 / 100
        Somewhat Bikeable

        Nearby schools

        GreatSchools rating

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