4848 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4848 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,189 sqft · built 2007
Lot Size	0.233 acres (10,193 sqft)
Owner	Individual Name on Record
Last Sale	$417,500 (Nov 2021)
Tax Bill	$5,835 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`153390`

Property Details

APN / Parcel Number

Primary APN	`153390`
Alternative APN	`182531292700010330`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,189 sqft Heated Area
Gross Area	3,822 sqft
1st Floor Area	1,553 sqft
Upper Floors Area	1,636 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,193 sqft (0.233 acres)
Garage Type	Finished
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	182 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	153390
Street Address	4848 STONE ACRES CIR
City	SAINT CLOUD
State	FL
Zip	34771-8864
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BLACKSTONE PB 19 PG 48-51 LOT 33
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

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	4848 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CARRINGTON MORTGAGE SERVICES LLC
Nov 1, 2021	Warranty Deed, Transfer · FHA Mortgage AMERIFIRST FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 1, 2021 · Amount on Record
Deed Sale	Nov 1, 2021 · Amount on Record
Prior Sale	Dec 28, 2007 · Amount on Record
Deed Document Number	2021169576
Deed Book / Page	6077 / 307
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4848 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	Nov 28, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4848 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864

Mortgage

Document Number	0068791006
Date	Nov 12, 2025
Book Page	6879/1006
Instrument	2025139739

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2040

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 1, 2021
Property Address	4848 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0060770307
Book / Page	6077 / 307
Map Reference	MB 19 PG 48-51
Instrument Date	Oct 29, 2021
Instrument	2021169576
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	AMERICAN TITLE AND TRUST LLC, AMERICAN TITLE TRUST LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,922.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 103521, SAN JUAN XX

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2807 YOUNGFORD ST, ORLANDO, FL 32824-4265

Mortgage

Document Number	0006077309
Date	Nov 1, 2021
Instrument	6077/309

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Tax Assessment & Valuation

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	$5,835.00 (+6.01%) Homeowner's exemption	$390,378 (+5.99%)	$452,600 (+12.42%) Land $90,000 Building $362,600
2023	$5,504.00 (+6.6%) Homeowner's exemption	$368,328 (+3%)	$402,600 (+12.58%) Land $70,000 Building $332,600
2022	$5,163.00 Homeowner's exemption	$357,600 Land $60,000 Building $297,600	$357,600 Land $60,000 Building $297,600

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

Flood

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	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

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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