4845 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4845 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,965 sqft · built 2008
Lot Size	0.253 acres (11,064 sqft)
Owner	Individual Name on File
Last Sale	$289,000 (Aug 2018)
Tax Bill	$4,115 (2025)
Deeds & Mortgages	May 2020 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`153416`

Property Details

APN / Parcel Number

Primary APN	`153416`
Alternative APN	`182531292700010590`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,965 sqft Heated Area
Gross Area	2,871 sqft
1st Floor Area	1,965 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	11,064 sqft (0.253 acres)
Garage Type	Finished
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	280 sqft
Porch	Open Porch
Porch Area	255 sqft
Deck Area	436 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153416
Street Address	4845 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 59
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	59
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

4845 Stone Acres Cir is owned and occupied by an individual who bought it in August 2018.

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

Owner of Record	Individual Name on File
Mailing Address	4845 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
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Aug 7, 2018	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2018 · Amount on File
Deed Sale	Aug 14, 2018 · Amount on File
Prior Sale	Aug 7, 2018 · Amount on File
Deed Document Number	2018123296
Deed Book / Page	5383 / 2896
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4845 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE ONE FLORIDA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057192723
Date	May 8, 2020
Book Page	5719/2723
Instrument	2020062029

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

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

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2018
Property Address	4845 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Document Number	0053832896
Book / Page	5383 / 2896
Map Reference	MB19 PG48-51
Instrument Date	Aug 3, 2018
Instrument	2018123296
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE OF F

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860

Mortgage

Document Number	2018123297
Date	Aug 14, 2018
Instrument	2018123297

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 7, 2018
Property Address	4845 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Document Number	0053810504
Book / Page	5381 / 0504
Map Reference	MB19 PG48-51
Instrument Date	Aug 3, 2018
Instrument	2018120857
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TITLE OF FL IN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,023.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7565 N HUTCH LN, 7565, EAGLE MOUNTAIN, UT 84005-4890

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4845 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860

Mortgage

Document Number	2018120858
Date	Aug 7, 2018
Instrument	2018120858

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4845 Stone Acres Cir was $4,115 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	$4,115.00 Homeowner's exemption	$266,225	$388,400 Land $90,000 Building $298,400
2023	$3,868.00 (+8.26%) Homeowner's exemption	$251,188 (+3%)	$344,400 (+12.33%) Land $70,000 Building $274,400
2022	$3,573.00 Homeowner's exemption	$243,872	$306,600 Land $60,000 Building $246,600

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

Flood

FEMA maps place 4845 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 4845 Stone Acres Cir is moderate, ranking above 65% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	0.2% 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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