Osceola County property record for 4802 Stone Acres Cir, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,254 sqft · built 2008 |
| Lot Size | 0.517 acres (22,521 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $575,000 (Aug 2023) |
| Tax Bill | $6,295 (2025) |
| Deeds & Mortgages | Aug 2023 Sale & Mortgage May 2021 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 153405 |
| Primary APN | 153405 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,254 sqft Heated Area |
| Gross Area | 3,395 sqft |
| 1st Floor Area | 2,254 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,521 sqft (0.517 acres) |
| Garage Type | Finished |
| Garage Area | 651 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 36 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 490 sqft |
| Deck Area | 692 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153405 |
|---|---|
| Street Address | 4802 STONE ACRES CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8862 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | BLACKSTONE PB 19 PG 48-51 LOT 48 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 18 |
| Legal Subdivision | BLACKSTONE NARCOOSSEE |
| Legal Tract | 2927 |
| Legal Block | 1 |
| Legal Lot Number | 48 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 4802 STONE ACRES CIR, SAINT CLOUD, FL 34771-8862 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2023 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| May 21, 2021 | Deed of Trust, Mortgage · VA Mortgage HOMETOWN LENDERS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 23, 2023 · Amount on Record |
| Deed Sale | Aug 23, 2023 · Amount on Record |
| Prior Sale | Feb 13, 2015 · Amount on Record |
| Deed Document Number | 0064622331 |
| Deed Book / Page | 6462 / 2331 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 23, 2023 |
| Property Address | 4802 STONE ACRES CIR, SAINT CLOUD, FL 34771-8862 |
| Document Number | 0064622331 |
| Book / Page | 6462 / 2331 |
| Map Reference | MB 19 PG 48-51 |
| Instrument Date | Aug 23, 2023 |
| Instrument | 2023111131 |
| Transaction Type | Transfer |
| Record Updated | Sep 4, 2023 |
| Title Company | NOT AVAILABLE, CITRUS CLOSING GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,025.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 116 E 4TH ST, DERIDDER, LA 70634-5010 |
| Name | Verified Name |
|---|---|
| Address | 4802 STONE ACRES CIR, SAINT CLOUD, FL 34771-8862 |
| Document Number | 0064622333 |
|---|---|
| Date | Aug 23, 2023 |
| Instrument | 6462/2333 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4802 STONE ACRES CIR, SAINT CLOUD, FL 34771-8862 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 4802 STONE ACRES CIR, SAINT CLOUD, FL 34771-8862 |
| Document Number | 0059632461 |
|---|---|
| Date | May 21, 2021 |
| Book Page | 5963/2461 |
| Instrument | 2021079126 |
| Name | HOMETOWN LENDERS INC |
|---|---|
| Type | Mortgage Company |
| Address | HUNTSVILLE, AL 35806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,295.00 (+68.41%) Homeowner's exemption | $423,600 (+71.58%) Land $90,000 Building $333,600 | $423,600 (+12.24%) Land $90,000 Building $333,600 |
| 2023 | $3,738.00 (+8.51%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $246,889 (+3%) | $377,400 (+11.95%) Land $70,000 Building $307,400 |
| 2022 | $3,445.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $239,699 | $337,100 Land $60,000 Building $277,100 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 278 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 278 in force |
| Nearby Flood Claims | 24 (1994–2022) |
| Claims Outside the SFHA | 2 of 24 |
| Most Recent Claim | Sep 2022 · Hurricane Ian |
| Claims by Event |
|
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 | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | None beyond ember reach |
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 35 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures