1042 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 1042 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,994 sqft · built 2003
Lot Size	0.199 acres (8,668 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Sep 2023)
Tax Bill	$5,151 (2025)
Deeds & Mortgages	Sep 2023 Sale & Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0028-0001-0530`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0028-0001-0530`
Alternative APNs	`263014002800010530` `84836`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,994 sqft Living Area
Gross Area	2,827 sqft
1st Floor Area	1,994 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,668 sqft (0.199 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	392 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1042 CHAMBERLIN TRL
City	SAINT CLOUD
State	FL
Zip	34772-7675
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	INDIAN LAKES PB 13 PG 93-95 LOT 53
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Tract	28
Legal Block	530
Legal Lot Number	53
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1024
Census Tract	43303

Owner

1042 Chamberlin Trl is owned and occupied by two individuals who bought it in September 2023.

Source: Osceola County records, as of July 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1042 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7675
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC
Dec 23, 2019	Deed of Trust, Mortgage · Conventional with PMI BYLINE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 20, 2023 · Amount on File
Deed Sale	Sep 20, 2023 · Amount on File
Prior Sale	Dec 27, 2013 · Amount on File
Deed Document Number	2023124089
Deed Book / Page	6477 / 689
Record Updated	Oct 29, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2023
Property Address	1042 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7675
Document Number	0064770689
Book / Page	6477 / 689
Map Reference	MB 13 PG 93-95
Instrument Date	Sep 18, 2023
Instrument	2023124089
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1042 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7675

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1042 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7675

Mortgage

Document Number	0006477691
Date	Sep 20, 2023
Instrument	6477/691

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2053

Mortgage

Document Number	0064770708
Date	Sep 20, 2023
Book Page	6477/708
Instrument	2023124091

Lender

Name	FLORIDA HOUSING FINANCE CORP
Type	Government Agency
Address	TALLAHASSEE, FL 32301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1042 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7675
Document Number	0056561033
Instrument Date	Dec 23, 2019
Transaction Type	Mortgage
Record Updated	Jan 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1042 CHAMBERLIN TRL ST CLOUD FL 347727675, ST CLOUD, FL 34772-7675

Mortgage

Document Number	0056561033
Date	Jan 13, 2020
Book Page	005656/001033
Instrument	5265

Lender

Name	BYLINE BK
Address	SCHAUMBURG, IL 60173

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	120 Months
Due	Jan 12, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 1042 Chamberlin Trl was $5,151.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,151.00	$330,700 Land $78,000 Building $252,700	$330,700 Land $78,000 Building $252,700
2023	$2,526.00 (+3.87%) Homeowner's exemption	$182,402 (+3%)	$352,700 (+23.84%) Land $60,000 Building $292,700
2022	$2,432.00 Homeowner's exemption	$177,090	$284,800 Land $55,000 Building $229,800

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.

Flood

FEMA maps place 1042 Chamberlin Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 File 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.

Wildfire

Wildfire risk around 1042 Chamberlin Trl is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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