4849 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4849 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,653 sqft · built 2009
Lot Size	0.269 acres (11,717 sqft)
Owner	2 Individual Names on File
Last Sale	$27,200 (Feb 2018)
Tax Bill	$3,070 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2018 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0610`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0610`
Alternative APNs	`253118292700010610` `153418`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,653 sqft Living Area
Gross Area	3,364 sqft
1st Floor Area	2,653 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,717 sqft (0.269 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4849 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 61
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	610
Legal Lot Number	61
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

4849 Stone Acres Cir is owned and occupied by two individuals who acquired it in April 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	4849 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
Apr 27, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORP
Apr 9, 2018	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 7, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 7, 2018 · Amount on File
Deed Sale	Feb 7, 2018 · Amount on File
Prior Sale	Jun 8, 2009 · Amount on File
Deed Document Number	201820470
Deed Book / Page	5281 / 1740
Last Transfer Date	Apr 21, 2021
Transfer Doc	0059450680
Record Updated	Jun 8, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2021
Property Address	4849 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Document Number	0059450680
Book / Page	5945 / 680
Map Reference	MB 19 PG 48
Instrument Date	Apr 21, 2021
Instrument	2021064123
Transaction Type	Transfer
Record Updated	May 12, 2021
Title Company	CHURCHILL TITLE SOLUTIONS, CHURCHILL TITLE SLN LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4849 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860

Mortgage

Document Number	5945682
Date	Apr 27, 2021
Instrument	5945/682

Lender

Name	CHURCHILL MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2036

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4849 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053132250
Date	Apr 9, 2018
Book Page	5313/2250
Instrument	2018055227

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

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

February 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2018
Property Address	4849 STONE ACRES CIR, SAINT CLOUD, FL 34771-8860
Document Number	0052811740
Book / Page	005281 / 001740
Instrument Date	Jan 29, 2018
Instrument	20470
Transaction Type	Transfer
Record Updated	Feb 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$190.40
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4849 STONE ACRES CIR ST CLOUD FL 347718860, ST CLOUD, FL 34771-8860

Tax Assessment & Valuation

The 2025 property tax bill for 4849 Stone Acres Cir was $3,070 with a homeowner's exemption, up 5.6% 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	$3,070.00 (+5.57%) Homeowner's exemption	$190,830	$433,300 Land $90,000 Building $343,300
2024	$2,908.00 (+1.15%)
2023	$2,875.00 (+10.24%) Homeowner's exemption	$180,051 (+3%)	$384,400 (+13.03%) Land $70,000 Building $314,400
2022	$2,608.00 Homeowner's exemption	$174,807	$340,100 Land $60,000 Building $280,100

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

Flood

FEMA maps place 4849 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 4849 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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