Osceola County property record for 4889 Stone Acres Cir, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 3,189 sqft · built 2007 |
| Lot Size | 0.297 acres (12,937 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $365,500 (Jul 2021) |
| Tax Bill | $5,794 (2025) |
| Deeds & Mortgages | Jul 2021 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 18-25-31-2927-0001-0910 |
| Primary APN | 18-25-31-2927-0001-0910 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,189 sqft Living Area |
| Gross Area | 3,822 sqft |
| 1st Floor Area | 1,553 sqft |
| Upper Floors Area | 1,636 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 12,937 sqft (0.297 acres) |
| Garage Type | Attached |
| Garage Area | 451 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 182 sqft |
| Patio Area | 320 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 4889 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 91 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 18 |
| Legal Subdivision | BLACKSTONE |
| Legal Tract | 2927 |
| Legal Block | 910 |
| Legal Lot Number | 91 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43600 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 4889 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 27, 2021 · Amount on Record |
| Deed Sale | Jul 27, 2021 · Amount on Record |
| Prior Sale | Aug 14, 2014 · Amount on Record |
| Deed Document Number | 2021116407 |
| Deed Book / Page | 6010 / 2405 |
| Prior Transfer Date | Sep 18, 2015 |
| Prior Transfer Doc | 0048512016 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 27, 2021 |
| Property Address | 4889 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861 |
| Document Number | 0060102405 |
| Book / Page | 6010 / 2405 |
| Map Reference | MB 19 PG 48 |
| Instrument Date | Jul 19, 2021 |
| Instrument | 2021116407 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,558.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 622094, ORLANDO, FL 32862-2094 |
| Name | Verified Name |
|---|---|
| Address | 4889 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861 |
| Document Number | 0060102406 |
|---|---|
| Date | Jul 27, 2021 |
| Book Page | 6010/2406 |
| Instrument | 2021116408 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,794.00 (+4.49%) Homeowner's exemption | $387,431 (+5.99%) | $450,100 (+12.53%) Land $90,000 Building $360,100 |
| 2024 | $5,545.00 (+1.46%) | ||
| 2023 | $5,465.00 (+6.63%) Homeowner's exemption | $365,547 (+3%) | $400,000 (+12.71%) Land $70,000 Building $330,000 |
| 2022 | $5,125.00 Homeowner's exemption | $354,900 Land $60,000 Building $294,900 | $354,900 Land $60,000 Building $294,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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