Osceola County property record for 851 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,648 sqft · built 2005 |
| Lot Size | 0.207 acres (9,017 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $254,000 (Apr 2015) |
| Tax Bill | $4,073 (2025) |
| Deeds & Mortgages | Jun 2023 Mortgage Jul 2022 Second Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 124256 |
| Primary APN | 124256 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,648 sqft Heated Area |
| Gross Area | 3,695 sqft |
| 1st Floor Area | 2,116 sqft |
| Upper Floors Area | 532 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,017 sqft (0.207 acres) |
| Garage Type | Finished |
| Garage Area | 628 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 419 sqft |
| Deck Area | 380 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 124256 |
|---|---|
| Street Address | 851 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 155 |
| 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 | 155 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
Source: Osceola County records, as of December 11, 2025
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 19, 2023 | Deed of Trust, Mortgage · FHA Mortgage AMERISAVE MORTGAGE CORP |
| Jul 18, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK |
| Jul 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK |
| Oct 22, 2019 | Deed of Trust, Mortgage · FHA Mortgage SOUTHPOINT FINANCIAL SERVICES INC |
| Sep 29, 2020 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 14, 2015 · Amount on Record |
| Deed Sale | Apr 14, 2015 · Amount on Record |
| Prior Sale | Dec 28, 2012 · Amount on Record |
| Deed Document Number | 2015052266 |
| Deed Book / Page | 4763 / 2326 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Jul 3, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0064262598 |
|---|---|
| Date | Jun 19, 2023 |
| Book Page | 6426/2598 |
| Instrument | 2023078812 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2022 |
| Name | Verified Name |
|---|---|
| Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0062522322 |
|---|---|
| Date | Jul 18, 2022 |
| Book Page | 6252/2322 |
| Instrument | 2022110026 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | GREENWOOD, DE 19950 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Jul 23, 2021 |
| Title Company | ACCURATE EQUITY GROUP |
| Name | Verified Name |
|---|---|
| Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0059990262 |
|---|---|
| Date | Jul 9, 2021 |
| Book Page | 5999/262 |
| Instrument | 2021107078 |
| Name | DISCOVER BANK |
|---|---|
| Type | Bank |
| Address | NEW CASTLE, DE 19720 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | PROGRESSIVE LAND TTL AGCY LT |
| Name | Verified Name |
|---|
| Document Number | 0056092587 |
|---|---|
| Date | Oct 22, 2019 |
| Book Page | 5609/2587 |
| Instrument | 2019136617 |
| Name | SOUTHPOINT FINANCIAL SERVICES INC |
|---|---|
| Type | Subprime Lender |
| Address | ALPHARETTA, GA 30005 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|---|
| Address | 851 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0058012812 |
|---|---|
| Date | Sep 29, 2020 |
| Book Page | 5801/2812 |
| Instrument | 2020130087 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 350 Months |
| Due | Nov 1, 2049 |
Source: Osceola County assessment roll, as of July 1, 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 | $4,073.00 (+6.18%) Homeowner's exemption | $270,466 (+5.99%) | $408,700 (-10.24%) Land $78,000 Building $330,700 |
| 2023 | $3,836.00 (+3.54%) Homeowner's exemption | $255,189 (+3%) | $455,300 (+23.29%) Land $60,000 Building $395,300 |
| 2022 | $3,705.00 Homeowner's exemption | $247,757 | $369,300 Land $55,000 Building $314,300 |
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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