4858 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4858 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,189 sqft · built 2007
Lot Size	0.315 acres (13,721 sqft)
Owner	Individual Name on Record
Last Sale	$310,000 (Feb 2018)
Tax Bill	$4,615 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0280`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0280`
Alternative APNs	`253118292700010280` `153385`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,189 sqft Living Area
Gross Area	3,925 sqft
1st Floor Area	1,553 sqft
Upper Floors Area	1,636 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,721 sqft (0.315 acres)
Garage Type	Attached
Garage Area	661 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	75 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4858 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 28
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	1
Legal Lot Number	28
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Dec 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Apr 6, 2020	Correction Deed FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC
Feb 19, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Feb 23, 2018	Warranty Deed, Transfer · Conventional with PMI GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 23, 2018 · Amount on Record
Deed Sale	Feb 23, 2018 · Amount on Record
Prior Sale	Oct 31, 2007 · Amount on Record
Deed Document Number	201832383
Deed Book / Page	5291 / 1607
Last Transfer Date	Mar 24, 2020
Transfer Doc	0057031919
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	Jun 1, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057031923
Date	Apr 6, 2020
Book Page	5703/1923
Instrument	2020046823

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	VANTAGE PT TITLE INC, VANTAGE POINT TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864

Mortgage

Document Number	0061181687
Date	Dec 29, 2021
Book Page	6118/1687
Instrument	2021201228

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2020: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2020
Property Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0057031919
Book / Page	005703 / 001919
Instrument Date	Mar 24, 2020
Instrument	46821
Record Updated	Jun 8, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4858 STONE ACRES CIR ST CLOUD FL 347718864, ST CLOUD, FL 34771-8864

February 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 19, 2020
Property Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0056762439
Book / Page	005676 / 002439
Instrument Date	Feb 8, 2020
Instrument	24595
Transaction Type	Transfer
Record Updated	Mar 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4858 STONE ACRES CIR ST CLOUD FL 347718864, ST CLOUD, FL 34771-8864

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 23, 2018
Property Address	4858 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0052911607
Book / Page	005291 / 001607
Instrument Date	Feb 21, 2018
Instrument	32383
Transaction Type	Transfer
Record Updated	Mar 12, 2018
Title Company	ATTORNEY ONLY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4858 STONE ACRES CIR ST CLOUD FL 347718864, ST CLOUD, FL 34771-8864

Mortgage

Document Number	52911610
Date	Feb 23, 2018
Book Page	005291/001610
Instrument	32384

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 22, 2048

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	$4,615.00 (+4.79%) Homeowner's exemption	$302,337 (+5.99%)	$457,200 (+12.61%) Land $90,000 Building $367,200
2024	$4,404.00 (+1.38%)
2023	$4,344.00 (+7.63%) Homeowner's exemption	$285,260 (+3%)	$406,000 (+12.87%) Land $70,000 Building $336,000
2022	$4,036.00 Homeowner's exemption	$276,952	$359,700 Land $60,000 Building $299,700

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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