4892 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4892 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,672 sqft · built 2009
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2016)
Tax Bill	$5,352 (2025)
Deeds & Mortgages	Mar 2022 Mortgage
Flood Zone	Zone X (moderate risk)
APN	`153368`

Property Details

APN / Parcel Number

Primary APN	`153368`
Alternative APN	`182531292700010110`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Heated Area
Gross Area	2,141 sqft
1st Floor Area	1,672 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	28 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153368
Street Address	4892 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 11
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	11
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	8356 LINDAHL ALY, ORLANDO, FL 32827-7772
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2016 · Amount on Record
Deed Sale	Jul 15, 2016 · Amount on Record
Prior Sale	Nov 6, 2014 · Amount on Record
Deed Document Number	2016108861
Deed Book / Page	4993 / 2911
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4892 STONE ACRES CIR, SAINT CLOUD, FL 34771-8864
Transaction Type	Mortgage
Record Updated	Mar 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8356 LINDAHL ALY, ORLANDO, FL 32827-7772

Mortgage

Document Number	0061631412
Date	Mar 3, 2022
Book Page	6163/1412
Instrument	2022034706

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Mar 1, 2029
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	10.1%
Index	1-Year CMT
Max Rate	10.1%

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	$5,352.00 (+14.97%)	$335,100 (+13.75%) Land $90,000 Building $245,100	$335,100 (+13.75%) Land $90,000 Building $245,100
2023	$4,655.00 (+14.07%)	$294,600 (+13.22%) Land $70,000 Building $224,600	$294,600 (+13.22%) Land $70,000 Building $224,600
2022	$4,081.00	$260,200 Land $60,000 Building $200,200	$260,200 Land $60,000 Building $200,200

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 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.

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