Osceola County property record for 839 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,669 sqft · built 2004 |
| Lot Size | 0.209 acres (9,104 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $516,000 (Jun 2022) |
| Tax Bill | $6,243 (2025) |
| Deeds & Mortgages | Sep 2026 Sale & Mortgage Jun 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 14-26-30-0047-0001-1560 |
| Primary APN | 14-26-30-0047-0001-1560 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,669 sqft Living Area |
| Gross Area | 3,487 sqft |
| 1st Floor Area | 2,137 sqft |
| Upper Floors Area | 532 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Concrete Block/Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,104 sqft (0.209 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 375 sqft |
| Porch | Slab |
| Porch Area | 377 sqft |
| Deck Area | 383 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 839 CHAMBERLIN TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7749 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | INDIAN LAKES PHASE 4 PB 16 PG 51 LOT 156 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 14 |
| Legal Subdivision | INDIAN LAKES PH 4 |
| Legal Phase | 4 |
| Legal Tract | 47 |
| Legal Block | 1560 |
| Legal Lot Number | 156 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
Source: Osceola County records, as of October 13, 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 |
|---|---|
| Mailing Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Sep 14, 2026 | Quit Claim Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Jun 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage GREAT OAKS BANK |
| Jun 18, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on Record |
| Deed Sale | Jun 24, 2022 · Amount on Record |
| Prior Sale | Jun 18, 2021 · Amount on Record |
| Deed Document Number | 202298659 |
| Deed Book / Page | 6239 / 801 |
| Last Transfer Date | Sep 4, 2026 |
| Transfer Doc | 0000118836 |
| Record Updated | Oct 29, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 14, 2026 |
| Property Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0000118836 |
| Book / Page | 7034 / 29 |
| Instrument Date | Sep 4, 2026 |
| Instrument | 2026118836 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2026 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0000118837, |
|---|---|
| Date | Sep 14, 2026 |
| Book Page | 7034/30 |
| Instrument | 2026118837 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 24, 2022 |
| Property Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0062390801 |
| Book / Page | 6239 / 801 |
| Map Reference | MB 16 PG 51 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 2022098659 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2022 |
| Title Company | REAL SOURCE TITLE, REAL DOOR TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,612.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 ROYAL GRANT WAY, 201, DOVER, DE 19901-6111 |
| Name | Verified Name |
|---|---|
| Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0006239803 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 6239/803 |
| Name | GREAT OAKS BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 18, 2021 |
| Property Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0059832429 |
| Book / Page | 5983 / 2429 |
| Map Reference | MB 16 PG 51 |
| Instrument Date | Jun 11, 2021 |
| Instrument | 2021095160 |
| Transaction Type | Transfer |
| Record Updated | Jul 2, 2021 |
| Title Company | WATSON TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1010 TRESTLE GLEN RD, 1010, OAKLAND, CA 94610-2517 |
| Name | Verified Name |
|---|---|
| Address | 839 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0059832435 |
|---|---|
| Date | Jun 18, 2021 |
| Book Page | 5983/2435 |
| Instrument | 2021095163 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,243.00 (-11.6%) | $391,700 (-9.81%) Land $78,000 Building $313,700 | $391,700 (-9.81%) Land $78,000 Building $313,700 |
| 2023 | $7,062.00 (+11.49%) Homeowner's exemption | $434,300 (+23.63%) Land $60,000 Building $374,300 | $434,300 (+23.63%) Land $60,000 Building $374,300 |
| 2022 | $6,334.00 | $351,300 Land $55,000 Building $296,300 | $351,300 Land $55,000 Building $296,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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