4852 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4852 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,653 sqft · built 2007
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$310,000 (Aug 2018)
Tax Bill	$3,874 (2025)
Deeds & Mortgages	May 2019 Mortgage Mar 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0310`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0310`
Alternative APNs	`253118292700010310` `153388`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,653 sqft Living Area
Gross Area	3,144 sqft
1st Floor Area	2,653 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,939 sqft (0.32 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	300 sqft
Porch	Florida Room
Porch Area	440 sqft
Deck Area	435 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4852 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 31
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	310
Legal Lot Number	31
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1009
Census Tract	43600

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4852 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
May 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS INC
Mar 25, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Dec 19, 2018	Quit Claim Deed, Transfer Quitclaim
Aug 17, 2018	Warranty Deed, Transfer · Conventional Mortgage KJN VENTURE CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 17, 2018 · Amount on Record
Deed Sale	Aug 17, 2018 · Amount on Record
Prior Sale	Oct 17, 2007 · Amount on Record
Deed Document Number	2018126322
Deed Book / Page	5387 / 1242
Last Transfer Date	Dec 11, 2018
Transfer Doc	0054520558
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4852 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055262473
Date	May 20, 2019
Book Page	5526/2473
Instrument	2019064576

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS INC
Type	Mortgage Company
Address	DALLAS, TX 75248

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4852 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0057020517
Instrument Date	Mar 25, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4852 STONE ACRES CIR ST CLOUD FL 347718864, ST CLOUD, FL 34771-8864

Mortgage

Document Number	0057020517
Date	Apr 1, 2020
Book Page	005702/000517
Instrument	45755

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 31, 2050

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 19, 2018
Property Address	4852 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0054520558
Book / Page	005452 / 000558
Instrument Date	Dec 11, 2018
Instrument	185576
Transaction Type	Transfer
Record Updated	Jan 10, 2019

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4852 STONE ACRES CIR ST CLOUD FL 347718864, ST CLOUD, FL 34771-8864

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2018
Property Address	4852 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0053871242
Book / Page	005387 / 001242
Instrument Date	Aug 9, 2018
Instrument	126322
Transaction Type	Transfer
Record Updated	Nov 22, 2018
Title Company	FIRST INT'L TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	13611 S DIXIE HWY #346 MIAMI FL 331767258, 346, MIAMI, FL 33176-7258

Mortgage

Document Number	53871244
Date	Aug 17, 2018
Book Page	005387/001244
Instrument	126323

Lender

Name	KJN VENTURE CAPITAL LLC
Address	1000 BRICKELL AVE # 715, MIAMI, FL 33131-3047

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,874.00 (+5.07%) Homeowner's exemption	$248,874 (+5.99%)	$441,900 (+12.44%) Land $90,000 Building $351,900
2024	$3,687.00 (+1.29%)
2023	$3,640.00 (+8.62%) Homeowner's exemption	$234,817 (+3%)	$393,000 (+12.19%) Land $70,000 Building $323,000
2022	$3,351.00 Homeowner's exemption	$227,978	$350,300 Land $60,000 Building $290,300

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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