4866 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4866 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,189 sqft · built 2007
Lot Size	0.637 acres (27,791 sqft)
Owner	Individual Name on Record
Last Sale	$373,000 (Nov 2019)
Tax Bill	$4,867 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Nov 2021 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`153381`

Property Details

APN / Parcel Number

Primary APN	`153381`
Alternative APN	`182531292700010240`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,189 sqft Heated Area
Gross Area	3,787 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	27,791 sqft (0.637 acres)
Garage Type	Finished
Garage Area	451 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	28 sqft
Porch	Open Porch
Porch Area	147 sqft
Deck Area	504 sqft
Fence	Fence
Shed	1 Shed
Shed Area	106 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	153381
Street Address	4866 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 24
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	24
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 December 11, 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	Individual Name on Record
Mailing Address	4866 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 8, 2018	Deed of Trust, Mortgage · Conventional Mortgage RP FUNDING INC
Nov 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Nov 14, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 14, 2019 · Amount on Record
Deed Sale	Nov 14, 2019 · Amount on Record
Prior Sale	Mar 19, 2013 · Amount on Record
Deed Document Number	2019148348
Deed Book / Page	5623 / 1682
Record Updated	Jun 8, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4866 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052660004
Date	Jan 8, 2018
Book Page	5266/0004
Instrument	2018004035

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	MAITLAND, FL 32751

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4866 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864

Mortgage

Document Number	0060841186
Date	Nov 10, 2021
Book Page	6084/1186
Instrument	2021175294

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 14, 2019
Property Address	4866 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Document Number	0056231682
Book / Page	5623 / 1682
Map Reference	MB 19 PG 48-51
Instrument Date	Oct 9, 2019
Instrument	2019148348
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	INFINITY TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,611.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4866 STONE ACRES CIR, 4866, SAINT CLOUD, FL 34771-8864

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4866 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864

Mortgage

Document Number	0056231684
Date	Nov 14, 2019
Instrument	5623/1684

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2049

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	$4,867.00 (+6.17%) Homeowner's exemption	$320,541 (+5.99%)	$468,100 (+11.72%) Land $90,000 Building $378,100
2023	$4,584.00 (+7.38%) Homeowner's exemption	$302,435 (+3%)	$419,000 (+11.67%) Land $70,000 Building $349,000
2022	$4,269.00 Homeowner's exemption	$293,627	$375,200 Land $60,000 Building $315,200

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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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