Osceola County property record for 4820 Stone Acres Cir, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,189 sqft · built 2009 |
| Lot Size | 0.248 acres (10,846 sqft) |
| Owner | Owner Name on Record |
| Last Sale | $230,000 (Jul 2009) |
| Tax Bill | $992 (2025) |
| Deeds & Mortgages | Nov 2017 Mortgage Oct 2020 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 153400 |
| Primary APN | 153400 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,189 sqft Heated Area |
| Gross Area | 3,997 sqft |
| 1st Floor Area | 1,553 sqft |
| Upper Floors Area | 1,636 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,846 sqft (0.248 acres) |
| Garage Type | Finished |
| Garage Area | 451 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 50 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 147 sqft |
| Deck Area | 1,400 sqft |
| Fence | Fence |
| Gazebo | 250 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 153400 |
|---|---|
| Street Address | 4820 STONE ACRES CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8863 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PD |
| Legal Description | BLACKSTONE PB 19 PG 48-51 LOT 43 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 18 |
| Legal Subdivision | BLACKSTONE NARCOOSSEE |
| Legal Tract | 2927 |
| Legal Block | 1 |
| Legal Lot Number | 43 |
| 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 | Owner Name on Record |
|---|---|
| Mailing Address | 4820 STONE ACRES CIR, SAINT CLOUD, FL 34771-8863 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Nov 2, 2017 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Oct 30, 2020 | Deed of Trust, Mortgage · VA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 15, 2009 · Amount on Record |
| Deed Sale | Jul 15, 2009 · Amount on Record |
| Deed Document Number | 2009110682 |
| Deed Book / Page | 3862 / 1035 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4820 STONE ACRES CIR, SAINT CLOUD, FL 34771-8863 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052340792 |
|---|---|
| Date | Nov 2, 2017 |
| Book Page | 5234/0792 |
| Instrument | 2017157651 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2047 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4820 STONE ACRES CIR, SAINT CLOUD, FL 34771-8863 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 4820 STONE ACRES CIR, SAINT CLOUD, FL 34771-8863 |
| Document Number | 0058231296 |
|---|---|
| Date | Oct 30, 2020 |
| Book Page | 5823/1296 |
| Instrument | 2020147884 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2050 |
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 | $992.00 (+7.71%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $269,687 (+5.99%) | $507,800 (+11.8%) Land $90,000 Building $417,800 |
| 2023 | $921.00 (+26.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $254,454 (+22.9%) | $454,200 (+24.17%) Land $70,000 Building $384,200 |
| 2022 | $726.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $207,043 | $365,800 Land $60,000 Building $305,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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 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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