4906 Stone Acres Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 4906 Stone Acres Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,287 sqft · built 2007
Lot Size	0.248 acres (10,846 sqft)
Owner	Individual Name on Record
Last Sale	$455,000 (Jan 2026)
Tax Bill	$3,748 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Jan 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`153362`

Property Details

APN / Parcel Number

Primary APN	`153362`
Alternative APN	`182531292700010050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,287 sqft Heated Area
Gross Area	3,228 sqft
1st Floor Area	2,287 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,846 sqft (0.248 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	500 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	153362
Street Address	4906 STONE ACRES CIR
City	SAINT CLOUD
State	FL
Zip	34771-8859
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	BLACKSTONE PB 19 PG 48-51 LOT 5
Legal Range	31E
Legal Township	25S
Legal Section	18
Legal Subdivision	BLACKSTONE NARCOOSSEE
Legal Tract	2927
Legal Block	1
Legal Lot Number	5
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of January 29, 2026

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
Co-owner	Co-owner on Record
Mailing Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ADDITION FINANCIAL CU
Jan 21, 2026	Warranty Deed, Transfer · Conventional Mortgage TEWES LENDING INC
Jun 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Jul 27, 2018	Warranty Deed, Transfer · Conventional Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 21, 2026 · Amount on Record
Deed Sale	Jan 21, 2026 · Amount on Record
Prior Sale	Jul 27, 2018 · Amount on Record
Deed Document Number	2026008482
Deed Book / Page	6910 / 1945
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859
Transaction Type	Mortgage
Record Updated	Jan 30, 2026
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065131105
Date	Dec 4, 2023
Book Page	6513/1105
Instrument	2023157494

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 1, 2033

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 21, 2026
Property Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859
Document Number	0069101945
Book / Page	6910 / 1945
Map Reference	MB 19 PG 48-51
Instrument Date	Jan 20, 2026
Instrument	2026008482
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,185.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	167 LELAND ST SE, PORT CHARLOTTE, FL 33952-9128

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859
Investor	Possibly a Property Investor

Mortgage

Document Number	0069101947
Date	Jan 21, 2026
Instrument	6910/1947

Lender

Name	TEWES LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057360928
Date	Jun 12, 2020
Book Page	5736/928
Instrument	2020075223

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Oct 1, 2048

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 27, 2018
Property Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859
Document Number	0053741632
Book / Page	5374 / 1632
Map Reference	MB19 PG48-51
Instrument Date	Jul 6, 2018
Instrument	2018114931
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,808.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1227 2ND AVE, 1227, SCHENECTADY, NY 12303-1645

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4906 STONE ACRES CIR, SAINT CLOUD, FL 34771-8859

Mortgage

Document Number	2018114932
Date	Jul 27, 2018
Instrument	2018114932

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2048

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	$3,748.00 (+6.48%) Homeowner's exemption	$239,752 (+5.99%)	$410,200 (+12.94%) Land $90,000 Building $320,200
2023	$3,520.00 (+8.84%) Homeowner's exemption	$226,210 (+3%)	$363,200 (+12.9%) Land $70,000 Building $293,200
2022	$3,234.00 Homeowner's exemption	$219,622	$321,700 Land $60,000 Building $261,700

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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