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About this home
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.
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.
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The essentials
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Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
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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.
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