Osceola County property record for 1043 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,700 sqft · built 2003 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $430,000 (Sep 2024) |
| Tax Bill | $2,244 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-30-0028-0001-0350 |
| Primary APN | 14-26-30-0028-0001-0350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,700 sqft Living Area |
| Gross Area | 3,560 sqft |
| 1st Floor Area | 2,168 sqft |
| Upper Floors Area | 532 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,672 sqft (0.245 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 419 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1043 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 35 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Tract | 28 |
| Legal Block | 350 |
| Legal Lot Number | 35 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
Source: Osceola County records, as of August 20, 2026
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 | 1043 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 19, 2021 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Dec 5, 2017 | Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2024 · Amount on Record |
| Deed Sale | Sep 24, 2024 · Amount on Record |
| Prior Sale | Jan 19, 2012 · Amount on Record |
| Deed Document Number | 2024122720 |
| Deed Book / Page | 6669 / 1564 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1043 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2021 |
| Name | Verified Name |
|---|---|
| Address | 1043 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689 |
| Document Number | 0060910105 |
|---|---|
| Date | Nov 19, 2021 |
| Book Page | 6091/105 |
| Instrument | 2021180385 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1043 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7689 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052482347 |
|---|---|
| Date | Dec 5, 2017 |
| Book Page | 5248/2347 |
| Instrument | 2017172611 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 1, 2047 |
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 | $2,244.00 (-17.04%) | $168,269 (-10.61%) | $383,300 (-10.61%) Land $78,000 Building $305,300 |
| 2024 | $2,705.00 (+2.81%) | ||
| 2023 | $2,631.00 (+3.83%) Homeowner's exemption | $188,242 (+3%) | $428,800 (+24.51%) Land $60,000 Building $368,800 |
| 2022 | $2,534.00 Homeowner's exemption | $182,760 | $344,400 Land $55,000 Building $289,400 |
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.
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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