4829 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4829 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,254 sqft · built 2008
Lot Size	0.388 acres (16,901 sqft)
Owner	Individual Name on File
Last Sale	$362,500 (May 2021)
Tax Bill	$5,218 (2025)
Deeds & Mortgages	Mar 2023 Line of Credit May 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0530`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0530`
Alternative APNs	`253118292700010530` `153410`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,254 sqft Living Area
Gross Area	3,253 sqft
1st Floor Area	2,254 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,901 sqft (0.388 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	192 sqft
Porch	Finished/Open Porch
Porch Area	558 sqft
Deck Area	378 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4829 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 53
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	530
Legal Lot Number	53
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

4829 Stone Acres Cir is owned and occupied by an individual who bought it in May 2021.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	4829 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
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
Mar 8, 2023	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
May 26, 2021	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2021 · Amount on File
Deed Sale	May 26, 2021 · Amount on File
Prior Sale	Apr 5, 2016 · Amount on File
Deed Document Number	202182062
Deed Book / Page	5967 / 930
Prior Transfer Date	Jun 18, 2012
Prior Transfer Doc	0042970106
Record Updated	Jun 8, 2026

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4829 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4829 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860

Mortgage

Document Number	0063680233
Date	Mar 8, 2023
Book Page	6368/233
Instrument	2023026663

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	BURLINGAME, CA 94010

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 26, 2021
Property Address	4829 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Document Number	0059670930
Book / Page	5967 / 930
Map Reference	MB 19 PG 48-51
Instrument Date	May 21, 2021
Instrument	2021082062
Transaction Type	Transfer
Record Updated	Jun 15, 2021
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,537.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1107 BAREFOOT CIR, 1107, SEBASTIAN, FL 32976-7088

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4829 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860

Mortgage

Document Number	5967932
Date	May 26, 2021
Instrument	5967/932

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 4829 Stone Acres Cir was $5,218 with a homeowner's exemption, up 4.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$5,218.00 (+4.63%) Homeowner's exemption	$345,839	$402,100 Land $90,000 Building $312,100
2024	$4,987.00 (+1.42%)
2023	$4,917.00 (+7.05%) Homeowner's exemption	$326,304 (+3%)	$356,500 (+12.53%) Land $70,000 Building $286,500
2022	$4,593.00 Homeowner's exemption	$316,800 Land $60,000 Building $256,800	$316,800 Land $60,000 Building $256,800

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

Flood

FEMA maps place 4829 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 4829 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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