4881 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4881 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,653 sqft · built 2009
Lot Size	0.274 acres (11,935 sqft)
Owner	2 Trust Names on File
Last Sale	$212,000 (Dec 2014)
Tax Bill	$992 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0870`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0870`
Alternative APNs	`253118292700010870` `153444`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,653 sqft Living Area
Gross Area	3,554 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	11,935 sqft (0.274 acres)
Garage Type	Attached
Garage Area	651 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	64 sqft
Porch	Finished/Open Porch
Porch Area	250 sqft
Deck Area	857 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4881 STONE ACRES CIR
City	SAINT CLOUD
State	FL
Zip	34771-8861
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BLACKSTONE PB 19 PG 48-51 LOT 87
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	870
Legal Lot Number	87
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

4881 Stone Acres Cir is owner-occupied and held in a trust since January 2025.

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

Owner of Record	2 Trust Names on File
Mailing Address	4881 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

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 20, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 30, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 31, 2014 · Amount on File
Deed Sale	Dec 31, 2014 · Amount on File
Prior Sale	Apr 14, 2009 · Amount on File
Deed Document Number	2014189051
Deed Book / Page	4715 / 1883
Last Transfer Date	Jan 21, 2025
Transfer Doc	0067282889
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4881 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Transaction Type	Mortgage
Record Updated	May 12, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059400335
Date	Apr 20, 2021
Book Page	5940/335
Instrument	2021060011

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	288 Months
Due	Apr 1, 2045

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4881 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057460633
Date	Jun 30, 2020
Book Page	5746/633
Instrument	2020084058

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	296 Months
Due	Feb 1, 2045

Tax Assessment & Valuation

The 2025 property tax bill for 4881 Stone Acres Cir was $992, up 9.6% 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	$992.00 (+9.61%)	$284,737	$478,300 Land $90,000 Building $388,300
2024	$905.00 (-1.74%)
2023	$921.00 (+26.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$268,654 (+18.5%)	$427,400 (+21.84%) Land $70,000 Building $357,400
2022	$726.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$226,712	$350,800 Land $60,000 Building $290,800

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

Flood

FEMA maps place 4881 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 4881 Stone Acres Cir is moderate, ranking above 63% 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 63% of the US · lower than 60% 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.

Nearby Properties on Stone Acres Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures