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1025 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1025 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,109 sqft · built 2003
Lot Size0.209 acres (9,104 sqft)
Owner2 Individual Names on File
Last Sale$420,000 (Dec 2022)
Tax Bill$6,308 (2025)
Deeds & MortgagesDec 2022 Sale & Mortgage
Sep 2019 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN14-26-30-0028-0001-0320

Property Details

APN / Parcel Number

Primary APN14-26-30-0028-0001-0320
Alternative APNs
  • 263014002800010320
  • 84815

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,109 sqft Living Area
Gross Area2,976 sqft
1st Floor Area2,109 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2003
Effective Year BuiltEffective 2003
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,104 sqft (0.209 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area36 sqft
PorchFlorida Room
Porch Area846 sqft
Deck Area664 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address1025 CHAMBERLIN TRL
CitySAINT CLOUD
StateFL
Zip34772-7689
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionINDIAN LAKES PB 13 PG 93-95 LOT 32
Legal Range30E
Legal Township26S
Legal Section14
Legal SubdivisionINDIAN LAKES
Legal Tract28
Legal Block1
Legal Lot Number32
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1025
Census Tract43303

Owner

Source: Osceola County records · APN 14-26-30-0028-0001-0320

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Dec 22, 2022Warranty Deed, Transfer · Conventional Mortgage
UNITED WHOLESALE MORTGAGE
Sep 13, 2019Warranty Deed, Transfer
STEWART TITLE
Mar 06, 2018Warranty Deed, Transfer
OLIVER TITLE LAW
Nov 22, 2017Intrafamily Transfer, Transfer · Reverse Mortgage
QUONTIC BANK FSB

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 22, 2022 · Amount on Record
Deed SaleDec 22, 2022 · Amount on Record
Prior SaleSep 13, 2019 · Amount on Record
Deed Document Number2022183328
Deed Book / Page6334 / 929
Prior Transfer DateNov 09, 2017
Prior Transfer Doc0052430716
Record UpdatedJun 08, 2026

December 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 22, 2022
Property Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689
Document Number0063340929
Book / Page6334 / 929
Map ReferenceMB 2147 PG 2969
Instrument DateDec 21, 2022
Instrument2022183328
Transaction TypeTransfer
Record UpdatedJan 11, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689

Mortgage

Document Number0006334931
DateDec 22, 2022
Instrument6334/931
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2053

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 13, 2019
Property Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689
Document Number0055890211
Book / Page005589 / 000211
Instrument DateSep 13, 2019
Instrument118332
Transaction TypeTransfer
Record UpdatedSep 26, 2019
Title CompanySTEWART TITLE

Transaction

AmountAmount Recorded
Tax$1,925.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1025 CHAMBERLIN TRL ST CLOUD FL 347727689, ST CLOUD, FL 34772-7689

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 06, 2018
Property Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689
Document Number0052961493
Book / Page005296 / 001493
Instrument DateFeb 26, 2018
Instrument37531
Transaction TypeTransfer
Record UpdatedMar 26, 2018
Title CompanyOLIVER TITLE LAW

Transaction

AmountAmount Recorded
Tax$1,750.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address1025 CHAMBERLIN TRL ST CLOUD FL 347727689, ST CLOUD, FL 34772-7689

November 2017: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateNov 22, 2017
Property Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689
Document Number0052430716
Book / Page5243 / 0716
Map ReferenceMB13 PG9395
Instrument DateNov 09, 2017
Instrument2017166951
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyTRANSTAR NATIONAL TITLE

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address1025 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689

Mortgage

Document Number2017166952
DateNov 22, 2017
Instrument2017166952
Lender
NameQUONTIC BANK FSB
TypeBank
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate
Rate4.61%
Type Change DateDec 01, 2018
Min Rate At Change2%
Index3-Month LIBOR
Max Rate5%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,308.00 (-3.8%) Homeowner's exemption$395,300 (+3.35%) Land $78,000 Building $317,300$395,300 (+3.35%) Land $78,000 Building $317,300
2024$6,557.00 (+6.98%)
2023$6,129.00 (+120.63%) Homeowner's exemption$382,500 (+94.83%) Land $60,000 Building $322,500$382,500 (+24.27%) Land $60,000 Building $322,500
2022$2,778.00 Homeowner's exemption$196,322$307,800 Land $55,000 Building $252,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 133 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies133 in force
Nearby Flood Claims1 (2017)
Most Recent ClaimSep 2017 · Hurricane Irma

Wildfire

Wildfire RiskModerate
above 45% of the US · lower than 84% of Florida
Wildfire Likelihood0.06% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 1,000

May also be available: Lumen Technologies.

Based on FCC filings for 161 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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