Osceola County property record for 1037 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,360 sqft · built 2003 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $210,600 (Jan 2004) |
| Tax Bill | $2,799 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-30-0028-0001-0340 |
| Primary APN | 14-26-30-0028-0001-0340 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,360 sqft Living Area |
| Gross Area | 3,303 sqft |
| 1st Floor Area | 2,360 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,672 sqft (0.245 acres) |
| Garage Type | Attached |
| Garage Area | 710 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 20 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 233 sqft |
| Deck Area | 449 sqft |
| Patio Area | 96 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1037 CHAMBERLIN TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7689 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | INDIAN LAKES PB 13 PG 93-95 LOT 34 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 340 |
| Legal Lot Number | 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
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 Company Names on Record |
|---|---|
| Mailing Address | 1037 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 2, 2004 · Amount on Record |
| Deed Sale | Jan 2, 2004 · Amount on Record |
| Deed Book / Page | 2415 / 1110 |
| Last Transfer Date | Jul 2, 2024 |
| Transfer Doc | 0066272768 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1037 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0056541475 |
|---|---|
| Date | Jan 8, 2020 |
| Book Page | 5654/1475 |
| Instrument | 2020003433 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19808 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Dec 20, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,799.00 (+3.63%) | $199,267 (+5.99%) | $372,000 (-9.93%) Land $78,000 Building $294,000 |
| 2024 | $2,701.00 (+2.82%) | ||
| 2023 | $2,627.00 (+3.83%) Homeowner's exemption | $188,012 (+3%) | $413,000 (+23.62%) Land $60,000 Building $353,000 |
| 2022 | $2,530.00 Homeowner's exemption | $182,536 | $334,100 Land $55,000 Building $279,100 |
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 133 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017 · Hurricane Irma |
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 45% of the US · lower than 84% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
May also be available: CenturyLink.
5G (outdoors only) and 4G LTE
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