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4875 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4875 Stone Acres Cir, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,287 sqft · built 2009
Lot Size0.303 acres (13,198 sqft)
Owner2 Individual Names on File
Last Sale$450,000 (Jul 2022)
Tax Bill$5,281 (2025)
Deeds & MortgagesJan 2024 Construction Loan
Jul 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (moderate risk)
APN18-25-31-2927-0001-0840

Property Details

APN / Parcel Number

Primary APN18-25-31-2927-0001-0840
Alternative APNs
  • 253118292700010840
  • 153441

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,287 sqft Living Area
Gross Area3,398 sqft
1st Floor Area2,287 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2009
Effective Year BuiltEffective 2009
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area13,198 sqft (0.303 acres)
Garage TypeAttached
Garage Area651 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area460 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address4875 STONE ACRES CIR
CitySAINT CLOUD
StateFL
Zip34771-8861
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBLACKSTONE PB 19 PG 48-51 LOT 84
Legal Range31E
Legal Township25S
Legal Section18
Legal SubdivisionBLACKSTONE
Legal Tract2927
Legal Block840
Legal Lot Number84
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1013
Census Tract43600

Owner

Source: Osceola County records · APN 18-25-31-2927-0001-0840

Assessment roll updated November 26, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4875 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 31, 2024Deed of Trust, Mortgage · Construction Mortgage
MCCOY FCU
Jul 14, 2022Warranty Deed, Transfer · VA Mortgage
MOVEMENT MORTGAGE
Jan 04, 2017Quit Claim Deed, Transfer · Conventional Mortgage
BANK OF AMERICA

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJul 14, 2022 · Amount on Record
Deed SaleJul 14, 2022 · Amount on Record
Prior SaleDec 01, 2016 · Amount on Record
Deed Document Number2022108738
Deed Book / Page6251 / 958
Prior Transfer DateDec 22, 2016
Prior Transfer Doc0050801823
Record UpdatedSep 20, 2026

January 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address4875 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Transaction TypeMortgage
Record UpdatedFeb 13, 2024

Transferred To (Grantee/Buyer)

NameVerified Name
Address4875 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861

Mortgage

Document Number0065420752
DateJan 31, 2024
Book Page6542/752
Instrument2024012765
Lender
NameMCCOY FCU
TypeCredit Union
AddressORLANDO, FL 32806
Agreement
TypeConstruction Mortgage
AmountAmount Recorded
Term120 Months
DueJan 30, 2034

July 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 14, 2022
Property Address4875 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Document Number0062510958
Book / Page6251 / 958
Map ReferenceMB 19 PG 48-51
Instrument DateJun 21, 2022
Instrument2022108738
Transaction TypeTransfer
Record UpdatedJul 29, 2022
Title CompanyNOT AVAILABLE, VISION TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,150.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address825 OAK CHASE DR, 825, ORLANDO, FL 32828-8273

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address3233 FALCON POINT DR, KISSIMMEE, FL 34741-7545

Mortgage

Document Number0006251964
DateJul 14, 2022
Instrument6251/964
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2052

January 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJan 04, 2017
Property Address4875 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Document Number0050801823
Book / Page00508 / 001823
Instrument DateDec 22, 2016
Instrument1742
Transaction TypeTransfer
Record UpdatedAug 15, 2018
Title CompanyTITLE 365

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address4875 STONE ACRES CIR ST CLOUD FL 347718861, ST CLOUD, FL 34771-8861

Mortgage

Document Number50801826
DateJan 04, 2017
Book Page005080/001826
Instrument1743
Lender
NameBANK OF AMERICA
TypeBank
AddressCHARLOTTE, NC 28255
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueJan 03, 2037

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$5,281.00 (+4.64%) Homeowner's exemption Veteran's exemption$355,425 (-2.19%)$410,000 (+12.82%) Land $90,000 Building $320,000
2024$5,047.00 (-15.83%)
2023$5,996.00 (+137%)$363,400 (+114.75%) Land $70,000 Building $293,400$363,400 (+12.89%) Land $70,000 Building $293,400
2022$2,530.00 Homeowner's exemption$169,218$321,900 Land $60,000 Building $261,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardModerate
500-Year FloodplainYes
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 278 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire LikelihoodAbout 1 in 433 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 314 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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