1020 UMBRIA LANE, St. Cloud, FL, 34771 | $2,500

Welcome to the comfort and style at 1020 Umbria Lane in the friendly Stonewood Estates community! This amazing 3-bedroom, 2-bathroom home offers a perfect blend of elegance and functionality, ensuring a lifestyle of utmost convenience. As you step into this move-in ready beauty, your eyes will be drawn to the breathtaking pond view right in front of the home, creating a serene and picturesque ambiance. Enjoy the luxury of a short walk to the community pool and playground, perfect for relaxing weekends or entertaining friends and family. Inside, the home boasts a host of desirable features, including stunning granite countertops in both the kitchen and bathrooms, a large kitchen island, and 42-inch upper cabinets. The kitchen is adorned with brand-new GE Energy Saver Fingerprint-resistant Stainless Steel appliances, installed on April 8th, 2023. The glass-top range with a double oven, French door refrigerator, over-the-range microwave with fan, and super quiet dishwasher collectively create a culinary heaven for the discerning chef. The elegance extends to the spacious bedrooms with walk-in closets, providing ample storage space. The interior is further enhanced by an inside laundry area, adding a touch of convenience to your daily routine. Elevating the property's exterior aesthetic, the driveway, entrance, and backyard feature exquisite pavers, complemented by stone walls along the front exterior, enhancing the overall charm of the house. This home is not just a dwelling; it's an investment in quality living. The addition of a new whole house water filtration system, the Halo H2ZERO, adds a layer of luxury and health-conscious living, installed on March 2023. The 50-gallon Bradford Hydrojet Energy Saver water heater, also installed on the same date, ensures efficiency and reliability in every aspect of your daily life. Other notable features include upscale new ceiling fans, a very spacious fenced-in backyard, a built-in irrigation system with a Rain Bird controller and meter, and a recently serviced HVAC system as of September 2023. The property comes with a community pool for residents to enjoy without the hassle of maintenance. Conveniently located minutes away from Medical City, dining, entertainment, shopping centers, Lake Nona, downtown Kissimmee, and the scenic Lakeshore Boulevard in St. Cloud, this home provides a lifestyle of unparalleled convenience and accessibility. Contact your agent as soon as possible to schedule a viewing and make this your dream home today.

Features

  • Type: Single Family Residence
  • Amenities: Pool
  • Rooms: 6
  • Bedrooms: 3
  • Baths: 2 full
  • Laundry: Inside, Laundry Room
  • Year Built: 2016
  • Garage: 2-car Covered, Driveway, Garage Door Opener
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,594
  • Acreage: 0.18
  • Elem. School: Narcoossee Elementary
  • Middle School: Narcoossee Middle
  • High School: Harmony High
  • Pet Policy: Dogs OK, Yes
  • Appliances: Dishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer, Water Filtration System, Water Softener
  • Lease Terms: 12 Months
  • MLS#: S5154264
  • Days on Market: 2 days
  • Website: https://www.raveis.com
    /prop/S5154264/1020umbrialane_stcloud_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 7/25/2026 12:58:42 AM)
Listing courtesy of COLLECTIVE GROUP REALTY, CORP   Phone: 321-244-3000

William Raveis Family of Services

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888.699.8876

Contact@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

1020 UMBRIA LANE, St. Cloud, FL, 34771

$2,500

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $2,000 $2,000 $2,000
Term 360 months 360 months 180 months
Initial Interest Rate** 6.250% 6.750% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.760% 6.902% 6.118%
Monthly Tax Payment N/A N/A N/A
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $12 $13 $17
Total Monthly Payment $87 $88 $92

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.