743 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 743 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,937 sqft · built 2004
Lot Size	0.201 acres (8,755 sqft)
Owner	2 Individual Names on File
Last Sale	$508,500 (Feb 2023)
Tax Bill	$6,827 (2025)
Deeds & Mortgages	Feb 2023 Sale Nov 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0028-0001-0380`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0028-0001-0380`
Alternative APNs	`263014002800010380` `84821`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,937 sqft Living Area
Gross Area	3,714 sqft
1st Floor Area	2,389 sqft
Upper Floors Area	548 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,755 sqft (0.201 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	474 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	28 sqft
Porch	Metal Porch
Porch Area	535 sqft
Deck Area	754 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	743 CHAMBERLIN TRL
City	SAINT CLOUD
State	FL
Zip	34772-7396
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	INDIAN LAKES PB 13 PG 93-95 LOT 38
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Tract	28
Legal Block	380
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43303

Owner

743 Chamberlin Trl is owned and occupied by two individuals who bought it in February 2023.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
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
Feb 28, 2023	Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL
Nov 27, 2017	Deed of Trust, Mortgage · Conventional Mortgage PNC MORTGAGE LLC
Jul 15, 2019	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Aug 5, 2020	Loan Modification, Mortgage · Line of Credit TRUSTCO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	Mar 5, 2004 · Amount on File
Deed Document Number	202323186
Deed Book / Page	6363 / 2450
Prior Transfer Date	Mar 10, 2005
Prior Transfer Doc	0027272193
Record Updated	Jun 8, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 28, 2023
Property Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Document Number	0063632450
Book / Page	6363 / 2450
Map Reference	MB 13 PG 93-95
Instrument Date	Feb 27, 2023
Instrument	2023023186
Transaction Type	Transfer
Record Updated	Mar 10, 2023
Title Company	A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount on Record
Tax	$3,559.50
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6223 BASS HWY, SAINT CLOUD, FL 34771-8628

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052440136
Date	Nov 27, 2017
Book Page	5244/0136
Instrument	2017167622

Lender

Name	PNC MORTGAGE LLC
Type	Lending Institution
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055561437
Date	Jul 15, 2019
Book Page	5556/1437
Instrument	2019090169

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 6, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396

Mortgage

Document Number	0057932476
Date	Sep 15, 2020
Book Page	5793/2476
Instrument	2020123132

Lender

Name	TRUSTCO BANK
Type	Bank
Address	LONGWOOD, FL 32750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 8, 2050

August 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	743 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Document Number	0057792037
Instrument Date	Aug 5, 2020
Transaction Type	Mortgage
Record Updated	Sep 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	743 CHAMBERLIN TRL ST CLOUD FL 347727396, ST CLOUD, FL 34772-7396

Mortgage

Document Number	0057792037
Date	Aug 24, 2020
Book Page	005779/002037
Instrument	111374

Lender

Name	TRUSTCO BK
Type	Bank
Address	GLENVILLE, NY 12302

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	3.25%

Tax Assessment & Valuation

The 2025 property tax bill for 743 Chamberlin Trl was $6,827 with a homeowner's exemption, down 3.9% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,827.00 (-3.87%) Homeowner's exemption	$424,300 Land $78,000 Building $346,300	$424,300 Land $78,000 Building $346,300
2024	$7,102.00 (-17.06%)
2023	$8,563.00 (+188.41%)	$475,300 (+129.71%) Land $60,000 Building $415,300	$475,300 (+23.68%) Land $60,000 Building $415,300
2022	$2,969.00 Homeowner's exemption	$206,915	$384,300 Land $55,000 Building $329,300

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

FEMA maps place 743 Chamberlin Trl in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2017.

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 minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 133 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	133 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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 743 Chamberlin Trl is moderate, ranking above 45% of the US, with a 0.06% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 45% of the US · lower than 84% of Florida
Wildfire Likelihood	0.06% 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 161 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink.

Cell Coverage

5G (outdoors only) and 4G LTE

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