Osceola County property record for 1025 Chisholm Estates Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,284 sqft · built 2008 |
| Lot Size | 0.275 acres (11,979 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $225,000 (Mar 2009) |
| Tax Bill | $1,216 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Mar 2017 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 30-25-31-2858-0001-0010 |
| Primary APN | 30-25-31-2858-0001-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,284 sqft Living Area |
| Gross Area | 3,156 sqft |
| 1st Floor Area | 2,284 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,979 sqft (0.275 acres) |
| Garage Type | Attached |
| Garage Area | 628 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 244 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1025 CHISHOLM ESTATES DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8907 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS-2 |
| Legal Description | CHISHOLM ESTATES PB 18 PG 16-17 LOT 1 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 30 |
| Legal Subdivision | CHISHOLM ESTATES |
| Legal Tract | 2858 |
| Legal Block | 10 |
| Legal Lot Number | 1 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 43600 |
Source: Osceola County records, as of November 26, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1025 CHISHOLM ESTATES DR, SAINT CLOUD, FL 34771-8907 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jan 13, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Mar 9, 2017 | Loan Modification, Mortgage FREEDOM MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 19, 2009 · Amount on Record |
| Deed Sale | Mar 19, 2009 · Amount on Record |
| Deed Document Number | 200943637 |
| Deed Book / Page | 3812 / 372 |
| Last Transfer Date | May 25, 2012 |
| Transfer Doc | 0042840232 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1025 CHISHOLM ESTATES DR, SAINT CLOUD, FL 34771-8907 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0058700652 |
|---|---|
| Date | Jan 13, 2021 |
| Book Page | 5870/652 |
| Instrument | 2021005800 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1025 CHISHOLM ESTATES DR, SAINT CLOUD, FL 34771-8907 |
| Document Number | 0051302461 |
| Book / Page | 005130 / 002461 |
| Instrument Date | Mar 9, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1025 CHISHOLM ESTATES DR ST CLOUD FL 347718907, ST CLOUD, FL 34771-8907 |
| Document Number | 0051302461 |
|---|---|
| Date | Apr 11, 2017 |
| Book Page | 005130/002461 |
| Instrument | 54354 |
| Name | FREEDOM MTG |
|---|---|
| Type | Mortgage Company |
| Address | FISHERS, IN 46037 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 10, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.62% |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,216.00 (+9.85%) Homeowner's exemption Veteran's exemption | $180,720 (+5.99%) | $398,700 (+1.63%) Land $65,000 Building $333,700 |
| 2024 | $1,107.00 (+1.93%) | ||
| 2023 | $1,086.00 (+15.41%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $170,512 (+3%) | $392,300 (+39.66%) Land $65,000 Building $327,300 |
| 2022 | $941.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $165,546 | $280,900 Land $55,000 Building $225,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 66% of the US · above 44% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 70 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
May also be available: CenturyLink, Spectrum.
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