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Overview

4 bd2 ba2,092 sqft2 car garageSingle Family
TypeSingle Family
HOA$110/mo
Built2017
Lot7,405 sqft
Living area2,092 sqft
Price / sqft$210
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Attic VentilatorCeiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanPrimary Bedroom Main Floor

1110 Umbria Ln is a 2017-built home in Narcoossee Village Ph 1, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,092 square feet of living space. Listed at $439,000 (about $210/sqft), 194 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $110 monthly.

From the listing

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.

The essentials

Built
2017
Price / sqft
$210
On market
194 days
Annual tax
$3,772
HOA
$110/mo
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
Community pool
Shared amenity
2 car garage
7,405 sqft lot
Lot size
2,092 sqft
Living area

Payment

Est. monthly payment
$2,934/mo
Down payment (20%)
$87,800
Property taxes
$314/mo
HOA
$110/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
7,405 sqft
Cooling
Central Air
Heating
Central, Electric, Solar
Parking
-
Days on Market
194
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
Private Yard
Rain Gutters
Sidewalk
Sprinkler Metered
Clubhouse
Deed Restrictions
Park
Playground
Pool
Sidewalks
Disposal
Dryer
Electric Water Heater
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Solar Hot Water
Washer
Water Filtration System
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,772
Parcel #
20-25-31-4258-0001-0800

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Narcoossee Village Ph 1
County
Osceola
MLS Area
34771 - St Cloud (Magnolia Square)
Lot Size
7,405 sqft
HOA
$110/mo
Kayla Govan

Price history

Date
Event
Price
9/14/2026
Price change
Source: Stellar MLS #TB8492248
$439,000-0.7%
$210/sqft
-
Price change
Source: Stellar MLS #TB8492248
$442,000-6.9%
$211/sqft
4/1/2026
Listed for sale
Source: Stellar MLS #TB8492248
$475,000
$227/sqft

Neighborhood

1110 Umbria Ln
St Cloud, FL, 34771 · 34771 - St Cloud (Magnolia Square)

Market insights

Offer Insights

Choose an offer strength

List price: $439,000
$437,500 – $439,000
99.5% – 100% of listTops out right at the list price
80% of listList price
306 of the last 473 home closings in 34771 landed at this number or higher (65%). The median one sat 36 days before it went under contract, and this one is on day 194 after a $36,000 cut.

Sample: 473 closed home sales in 34771 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,933/mo
Principal & interest$2,290
Property taxes$314
Insurance$220
HOA$110
Down payment20% · $87,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$439,000

$210 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,092 sq ft

Time on market

194 days

Year built

2017

Monthly payment

About $2,934/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,772 annual tax bill, insurance, and the $110/mo HOA fee.

HOA fee

$110/mo

Managed by Kayla Govan.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byLPT REALTY, LLCListing agent: Agnieszka PisarczykListing data from Stellar MLS, MLS# TB8492248.

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