785 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 785 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,459 sqft · built 2004
Lot Size	0.28 acres (12,196 sqft)
Owner	2 Individual Names on Record
Last Sale	$284,500 (Dec 2004)
Tax Bill	$2,599 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0047-0001-1630`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0047-0001-1630`
Alternative APNs	`263014004700011630` `124264`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,459 sqft Living Area
Gross Area	3,313 sqft
1st Floor Area	2,459 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,196 sqft (0.28 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	324 sqft
Porch	Finished/Open Porch
Porch Area	233 sqft
Deck Area	364 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	785 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 PHASE 4 PB 16 PG 51 LOT 163
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES PH 4
Legal Phase	4
Legal Tract	47
Legal Block	1630
Legal Lot Number	163
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43303

Owner

Source: Osceola County records, as of August 14, 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	785 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 17, 2004 · Amount on Record
Deed Sale	Dec 17, 2004 · Amount on Record
Deed Document Number	2004241584
Deed Book / Page	2659 / 47
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 3, 2026
Property Address	785 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396
Document Number	0000101421
Book / Page	7014 / 1634
Instrument Date	Jul 28, 2026
Instrument	2026101421
Transaction Type	Mortgage
Record Updated	Aug 14, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	785 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7396

Mortgage

Document Number	0000101421,
Date	Aug 3, 2026
Book Page	7014/1634
Instrument	2026101421

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.43%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

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	$2,599.00 (+6.65%) Homeowner's exemption	$188,104 (+5.99%)	$376,900 (-9.72%) Land $78,000 Building $298,900
2023	$2,437.00 (+3.88%) Homeowner's exemption	$177,479 (+3%)	$417,500 (+23.81%) Land $60,000 Building $357,500
2022	$2,346.00 Homeowner's exemption	$172,310	$337,200 Land $55,000 Building $282,200

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
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 43% of the US · lower than 85% of Florida
Wildfire Likelihood	0.08% 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 213 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 / 50
Verizon Fixed Wireless	300 / 20