4905 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4905 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,672 sqft · built 2009
Lot Size	0.254 acres (11,064 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Dec 2023)
Tax Bill	$5,092 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Feb 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`18-25-31-2927-0001-0950`

Property Details

APN / Parcel Number

Primary APN	`18-25-31-2927-0001-0950`
Alternative APNs	`253118292700010950` `153452`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,672 sqft Living Area
Gross Area	2,463 sqft
1st Floor Area	1,672 sqft
Flooring	Tile
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	11,064 sqft (0.254 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	28 sqft
Patio Area	78 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4905 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 95
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE
Legal Tract	2927
Legal Block	950
Legal Lot Number	95
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43600

Owner

Source: Osceola County records, as of May 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4905 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2023	Warranty Deed, Transfer · VA Mortgage BANK OF ENGLAND
Feb 28, 2023	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Aug 16, 2017	Warranty Deed, Transfer · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2023 · Amount on Record
Deed Sale	Dec 7, 2023 · Amount on Record
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	2023159788
Deed Book / Page	6515 / 2678
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 7, 2023
Property Address	4905 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Document Number	0065152678
Book / Page	6515 / 2678
Map Reference	MB 19 PG 48-51
Instrument Date	Nov 27, 2023
Instrument	2023159788
Transaction Type	Transfer
Record Updated	Jan 4, 2024
Title Company	GOLDEN KEY TITLE SERVICES LLC, GOLDEN KEY TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0065152680
Date	Dec 7, 2023
Instrument	6515/2680

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4905 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Transaction Type	Mortgage
Record Updated	Mar 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4905 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861

Mortgage

Document Number	0063640239
Date	Feb 28, 2023
Book Page	6364/239
Instrument	2023023402

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 14, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 16, 2017
Property Address	4905 STONE ACRES CIR, SAINT CLOUD, FL 34771-8861
Document Number	0051951968
Book / Page	005195 / 001968
Instrument Date	Jul 26, 2017
Instrument	119019
Transaction Type	Transfer
Record Updated	Sep 26, 2017
Title Company	SUPREME FL TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4905 STONE ACRES CIR ST CLOUD FL 347718861, ST CLOUD, FL 34771-8861

Mortgage

Document Number	51951971
Date	Aug 16, 2017
Book Page	005195/001971
Instrument	119020

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 15, 2047

Tax Assessment & Valuation

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	$5,092.00 (+0.43%)	$341,800 (+63.04%) Land $90,000 Building $251,800	$341,800 (+17.7%) Land $90,000 Building $251,800
2024	$5,070.00 (+54.2%)
2023	$3,288.00 (+9.24%) Homeowner's exemption	$209,643 (+3%)	$290,400 (+13.22%) Land $70,000 Building $220,400
2022	$3,010.00 Homeowner's exemption	$203,537	$256,500 Land $60,000 Building $196,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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 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	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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