Osceola County property record for 778 Chamberlin Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,976 sqft · built 2004 |
| Lot Size | 0.21 acres (9,191 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $270,100 (Sep 2004) |
| Tax Bill | $2,252 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 124265 |
| Primary APN | 124265 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,976 sqft Heated Area |
| Gross Area | 2,818 sqft |
| 1st Floor Area | 1,976 sqft |
| Flooring | Vinyl/Resilient |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,191 sqft (0.21 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Pool Area | 28 sqft |
| Porch | Open Porch |
| Porch Area | 401 sqft |
| Deck Area | 482 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 124265 |
|---|---|
| Street Address | 778 CHAMBERLIN TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7398 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PHASE 4 PB 16 PG 51 LOT 164 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES |
| Legal Phase | 4 |
| Legal Tract | 47 |
| Legal Block | 1 |
| Legal Lot Number | 164 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43303 |
Source: Osceola County records · APN 124265
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 778 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7398 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 24, 2004 · Amount on Record |
| Deed Sale | Sep 24, 2004 · Amount on Record |
| Deed Document Number | 2004189160 |
| Deed Book / Page | 2604 / 0244 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,252.00 (+7.09%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $173,727 (+5.99%) | $345,100 (-3.47%) Land $78,000 Building $267,100 |
| 2023 | $2,103.00 (+4.21%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $163,914 (+3%) | $357,500 (+22.73%) Land $60,000 Building $297,500 |
| 2022 | $2,018.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $159,140 | $291,300 Land $55,000 Building $236,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433031, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 133 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 133 in force |
| Nearby Flood Claims | 1 (2017) |
| Most Recent Claim | Sep 2017, river or lake flooding, Hurricane Irma |
| Wildfire Risk | Moderate above 44% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,205 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 213 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 50 |
| Verizon | Fixed Wireless | 300 / 20 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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