748 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 748 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,444 sqft · built 2003
Lot Size	0.201 acres (8,755 sqft)
Owner	2 Company Names on Record
Last Sale	$160,165 (Mar 2010)
Tax Bill	$4 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Nov 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0028-0001-0470`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0028-0001-0470`
Alternative APNs	`263014002800010470` `84830`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,444 sqft Living Area
Gross Area	3,161 sqft
1st Floor Area	2,444 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Foundation Type	Footing
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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	233 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	748 CHAMBERLIN TRL
City	SAINT CLOUD
State	FL
Zip	34772-7397
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	INDIAN LAKES PB 13 PG 93-95 LOT 47
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Tract	28
Legal Block	470
Legal Lot Number	47
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43303

Owner

Source: Osceola County records, as of March 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Company Names on Record
Mailing Address	761 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2020	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Nov 27, 2019	Deed of Trust, Mortgage · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Aug 8, 2019	Deed of Trust, Mortgage · Line of Credit FAIRWINDS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2010 · Amount on Record
Deed Sale	Mar 18, 2010 · Amount on Record
Prior Sale	Nov 10, 2003 · Amount on Record
Deed Document Number	201039173
Deed Book / Page	3962 / 542
Last Transfer Date	Apr 22, 2024
Transfer Doc	0065870218
Record Updated	Oct 29, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	748 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7397
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057711956
Date	Aug 10, 2020
Book Page	5771/1956
Instrument	2020104964

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	748 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7397
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056310637
Date	Nov 27, 2019
Book Page	5631/0637
Instrument	2019154616

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	748 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7397
Document Number	0055731454
Instrument Date	Aug 8, 2019
Transaction Type	Mortgage
Record Updated	Aug 27, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	748 CHAMBERLIN TRL ST CLOUD FL 347727397, ST CLOUD, FL 34772-7397

Mortgage

Document Number	0055731454
Date	Aug 14, 2019
Book Page	005573/001454
Instrument	105016

Lender

Name	FAIRWINDS CU
Address	ORLANDO, FL 32826

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 13, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$4.00	$171,484 (+5.99%)	$356,200 (-10.19%) Land $78,000 Building $278,200
2024	$4.00
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$161,799 (+3%)	$396,600 (+24.52%) Land $60,000 Building $336,600
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$157,087	$318,500 Land $55,000 Building $263,500

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

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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