4903 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4903 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,894 sqft · built 2008
Lot Size	0.283 acres (12,371 sqft)
Owner	Individual Name on File
Last Sale	$330,000 (Jan 2022)
Tax Bill	$4,944 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`153451`

Property Details

APN / Parcel Number

Primary APN	`153451`
Alternative APN	`182531292700010940`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,894 sqft Heated Area
Gross Area	2,482 sqft
1st Floor Area	1,894 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,371 sqft (0.283 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	104 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153451
Street Address	4903 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 94
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	94
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

4903 Stone Acres Cir is owned and occupied by an individual who bought it in January 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	4903 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Occupancy	Owner Occupied
Owner Type	Individual

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
Jan 3, 2022	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Aug 2, 2019	Deed of Trust, Mortgage · FHA Mortgage AMERICAN FINANCIAL RESOURCES INC
Nov 19, 2020	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2022 · Amount on File
Deed Sale	Jan 3, 2022 · Amount on File
Prior Sale	Sep 18, 2009 · Amount on File
Deed Document Number	2022000460
Deed Book / Page	6120 / 2418
Record Updated	Jun 8, 2026

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 3, 2022
Property Address	4903 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Document Number	0061202418
Book / Page	6120 / 2418
Map Reference	MB 19 PG 48-51
Instrument Date	Dec 22, 2021
Instrument	2022000460
Transaction Type	Transfer
Record Updated	Jan 14, 2022
Title Company	ALL FLORIDA TITLE COMPANY INC, ALL FLORIDA TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,310.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1115 E TWIGGS ST UNIT 1402, 1115, TAMPA, FL 33602-3182

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1182 MAIN ST APT 77, 77, RIVER EDGE, NJ 07661-2527

Mortgage

Document Number	0061202420
Date	Jan 3, 2022
Instrument	6120/2420

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2052

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4903 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055670297
Date	Aug 2, 2019
Book Page	5567/0297
Instrument	2019099714

Lender

Name	AMERICAN FINANCIAL RESOURCES INC
Type	Funding / Finance Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4903 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7004 TAVISTOCK LAKES BLVD, ORLANDO, FL 32827-7731

Mortgage

Document Number	0058360682
Date	Nov 19, 2020
Book Page	5836/682
Instrument	2020158536

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	Aug 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4903 Stone Acres Cir was $4,944 with a homeowner's exemption.

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	$4,944.00 Homeowner's exemption	$326,121	$349,400 Land $90,000 Building $259,400
2023	$4,658.00 (+2.92%) Homeowner's exemption	$307,700 (+13.17%) Land $70,000 Building $237,700	$307,700 (+13.17%) Land $70,000 Building $237,700
2022	$4,526.00	$271,900 Land $60,000 Building $211,900	$271,900 Land $60,000 Building $211,900

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

Flood

FEMA maps place 4903 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 4903 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.

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