Osceola County property record for 4901 Stone Acres Cir, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,104 sqft · built 2009 |
| Lot Size | 0.262 acres (11,412 sqft) |
| Owner | Individual Name on File |
| Last Sale | $375,000 (Sep 2025) |
| Tax Bill | $5,643 (2025) |
| Deeds & Mortgages | Sep 2025 Mortgage Feb 2022 Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 18-25-31-2927-0001-0930 |
| Primary APN | 18-25-31-2927-0001-0930 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,104 sqft Living Area |
| Gross Area | 2,735 sqft |
| 1st Floor Area | 975 sqft |
| Upper Floors Area | 1,129 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2009 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | L-Shape |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 11,412 sqft (0.262 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 190 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4901 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 93 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 18 |
| Legal Subdivision | BLACKSTONE |
| Legal Tract | 2927 |
| Legal Block | 930 |
| Legal Lot Number | 93 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 43600 |
4901 Stone Acres Cir is owned and occupied by an individual who bought it in September 2025.
Source: Osceola County records, as of May 12, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4901 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · FHA Mortgage NEW AMERICAN FUNDING |
| Feb 22, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on File |
| Deed Sale | Sep 24, 2025 · Amount on File |
| Prior Sale | Sep 16, 2013 · Amount on File |
| Deed Document Number | 2025117411 |
| Deed Book / Page | 6852 / 1916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4901 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2025 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3160 MARSH HARBOR PL, ORLANDO, FL 32827-5194 |
| Document Number | 0068521918 |
|---|---|
| Date | Sep 24, 2025 |
| Book Page | 6852/1918 |
| Instrument | 2025117412 |
| Name | NEW AMERICAN FUNDING |
|---|---|
| Type | Lending Institution |
| Address | TUSTIN, CA 92780 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4901 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861 |
| Transaction Type | Mortgage |
| Record Updated | Mar 7, 2022 |
| Name | Verified Name |
|---|---|
| Address | 7105 SIX GUN CT, SAINT CLOUD, FL 34771-7918 |
| Document Number | 0061551520 |
|---|---|
| Date | Feb 22, 2022 |
| Book Page | 6155/1520 |
| Instrument | 2022028621 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Mar 1, 2037 |
The 2025 property tax bill for 4901 Stone Acres Cir was $5,643, up 5.9% from the year before.
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 | $5,643.00 (+5.85%) | $358,400 Land $90,000 Building $268,400 | $358,400 Land $90,000 Building $268,400 |
| 2024 | $5,331.00 (+8.6%) | ||
| 2023 | $4,909.00 (+13.9%) | $316,000 (+13.14%) Land $70,000 Building $246,000 | $316,000 (+13.14%) Land $70,000 Building $246,000 |
| 2022 | $4,310.00 | $279,300 Land $60,000 Building $219,300 | $279,300 Land $60,000 Building $219,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4901 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 |
|
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 risk around 4901 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.
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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