1640 Chatsworth Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1640 Chatsworth Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 2020
Lot Size	0.139 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$256,300 (Apr 2020)
Tax Bill	$4,763 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042631017300012820`

Property Details

APN / Parcel Number

Primary APN	`042631017300012820`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,677 sqft Heated Area
Gross Area	2,267 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.139 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1640 CHATSWORTH CIR
City	SAINT CLOUD
State	FL
Zip	34771-7684
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 282
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	2
Legal Tract	173
Legal Lot Number	282
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1640 Chatsworth Cir is owned and occupied by an individual who bought it in April 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Mailing Address	1640 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7684
Occupancy	Owner Occupied
Owner Type	Individual

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
Aug 17, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 6, 2020	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2020 · Amount on File
Deed Sale	Apr 6, 2020 · Amount on File
Deed Document Number	2020046851
Deed Book / Page	5703 / 2120
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	1640 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7684
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1640 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7684

Mortgage

Document Number	0060231631
Date	Aug 17, 2021
Book Page	6023/1631
Instrument	2021126792

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2020
Property Address	1640 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7684
Document Number	0057032120
Book / Page	5703 / 2120
Map Reference	MB 27 PG 87
Instrument Date	Apr 3, 2020
Instrument	2020046851
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,794.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057032124
Date	Apr 6, 2020
Instrument	5703/2124

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1640 Chatsworth Cir was $4,763 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$4,763.00 Homeowner's exemption	$309,000 Land $78,800 Building $230,200	$309,000 Land $78,800 Building $230,200
2023	$4,499.00 (+3.45%) Homeowner's exemption	$292,005 (+3%)	$321,600 (+13.44%) Land $68,200 Building $253,400
2022	$4,349.00 Homeowner's exemption	$283,500 Land $68,200 Building $215,300	$283,500 Land $68,200 Building $215,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1640 Chatsworth Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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 1640 Chatsworth Cir is high, ranking above 74% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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