1653 Chatsworth Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 1653 Chatsworth Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,426 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$360,000 (Jun 2022)
Tax Bill	$6,898 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`042631017300012420`

Property Details

APN / Parcel Number

Primary APN	`042631017300012420`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	2,426 sqft Heated Area
Gross Area	3,334 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	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1653 CHATSWORTH CIR
City	SAINT CLOUD
State	FL
Zip	34771-7685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 242
Legal Range	31E
Legal Township	26S
Legal Section	04
Legal Subdivision	LANCASTER PARK
Legal Phase	2
Legal Tract	173
Legal Lot Number	242
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3026
Census Tract	43700

Owner

1653 Chatsworth Cir is owned and occupied by an individual who bought it in June 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1653 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7685
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
Jun 7, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNIVEST BANK & TRUST CO
Feb 11, 2020	Grant Deed, Transfer CALATLANTIC TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2022 · Amount on File
Deed Sale	Jun 7, 2022 · Amount on File
Prior Sale	Feb 11, 2020 · Amount on File
Deed Document Number	2022088255
Deed Book / Page	6227 / 2682
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 7, 2022
Property Address	1653 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7685
Document Number	0062272682
Book / Page	6227 / 2682
Map Reference	MB 27 PG 87
Instrument Date	Jun 2, 2022
Instrument	2022088255
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 21, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2225 WENTZ LN, 2225, SCHWENKSVILLE, PA 19473-2415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1653 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7685

Mortgage

Document Number	0062272684
Date	Jun 7, 2022
Instrument	6227/2684

Lender

Name	UNIVEST BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Jul 1, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	9.87%
Index	Other
Max Rate	9.87%

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2020
Property Address	1653 CHATSWORTH CIR, SAINT CLOUD, FL 34771-7685
Document Number	0056721184
Book / Page	005672 / 001184
Instrument Date	Jan 31, 2020
Instrument	20610
Transaction Type	Transfer
Record Updated	Mar 2, 2020
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Tax	$2,335.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2225 WENTZ LN SCHWENKSVILLE PA 194732415, SCHWENKSVILLE, PA 19473-2415

Tax Assessment & Valuation

The 2025 property tax bill for 1653 Chatsworth Cir was $6,898.

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	$6,898.00	$385,200 Land $78,800 Building $306,400	$385,200 Land $78,800 Building $306,400
2023	$7,308.00 (+33.33%)	$405,600 (+15.26%) Land $68,200 Building $337,400	$405,600 (+15.26%) Land $68,200 Building $337,400
2022	$5,481.00	$351,900 Land $68,200 Building $283,700	$351,900 Land $68,200 Building $283,700

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

Flood

FEMA maps place 1653 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 1653 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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