4819 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4819 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,287 sqft · built 2008
Lot Size	0.398 acres (17,380 sqft)
Owner	2 Owner Names on File
Last Sale	$237,000 (Oct 2008)
Tax Bill	$2,946 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Mar 2017 Mortgage
Flood Zone	Zone AE (high risk)
APN	`153408`

Property Details

APN / Parcel Number

Primary APN	`153408`
Alternative APN	`182531292700010510`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,287 sqft Heated Area
Gross Area	3,438 sqft
1st Floor Area	2,287 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	17,380 sqft (0.398 acres)
Garage Type	Finished
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	500 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153408
Street Address	4819 STONE ACRES CIR
City	SAINT CLOUD
State	FL
Zip	34771-8860
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BLACKSTONE PB 19 PG 48-51 LOT 51
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	51
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

The current owner of 4819 Stone Acres Cir bought it in October 2008.

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

Owner of Record	2 Owner Names on File
Mailing Address	4819 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Occupancy	Owner Occupied

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 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 25, 2017	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 24, 2008 · Amount on File
Deed Sale	Oct 24, 2008 · Amount on File
Deed Document Number	2008174567
Deed Book / Page	3756 / 1290
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4819 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057732956
Date	Aug 13, 2020
Book Page	5773/2956
Instrument	2020106926

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4819 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Document Number	0051352632
Book / Page	005135 / 002632
Instrument Date	Mar 25, 2017
Transaction Type	Mortgage
Record Updated	May 26, 2017
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4819 STONE ACRES CIR ST CLOUD FL 347718860, ST CLOUD, FL 34771-8860

Mortgage

Document Number	0051352632
Date	Apr 21, 2017
Book Page	005135/002632
Instrument	59521

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Apr 20, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 4819 Stone Acres Cir was $2,946 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,946.00 Homeowner's exemption	$181,871	$407,400 Land $90,000 Building $317,400
2023	$2,757.00 (+10.59%) Homeowner's exemption	$171,599 (+3%)	$360,800 (+13.07%) Land $70,000 Building $290,800
2022	$2,493.00 Homeowner's exemption	$166,601	$319,100 Land $60,000 Building $259,100

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

Flood

FEMA maps place 4819 Stone Acres Cir in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File 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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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 4819 Stone Acres Cir is high, ranking above 72% 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 72% of the US · above 55% of Florida
Wildfire Likelihood	0.4% 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 314 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, CenturyLink.

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