Osceola County property record for 856 Chamberlin Trl, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,969 sqft Heated Area |
| Lot Size | 11,500 sqft (0.264 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $235,000 (2015) |
| Tax Bill | $3,183.00 (2025) |
| Primary APN | 124278 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,969 sqft Heated Area |
| Gross Area | 3,019 sqft Gross Area |
| 1st Floor | 1,969 sqft 1st Floor |
| Stories | 1 Stories |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2004 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 11,500 sqft (0.264 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Pool Area | 28 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 467 sqft Deck |
| Porch | Open Porch |
| Porch Area | 609 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 124278 |
|---|---|
| Street Address | 856 CHAMBERLIN TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7750 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | INDIAN LAKES PHASE 4 PB 16 PG 51 LOT 177 |
| 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 | 177 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 43303 |
Source: Osceola County records · APN 124278
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 856 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 19, 2024 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Apr 23, 2018 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| Jul 01, 2019 | Deed of Trust, Mortgage · Veterans Administration Mortgage FREEDOM MORTGAGE CORP |
| May 22, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage CLEARPATH LNDG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2015 · Amount on Record |
| Deed Sale | Oct 02, 2015 · Amount on Record |
| Prior Sale | Nov 23, 2004 · Amount on Record |
| Deed Doc Number | 2015147762 |
| Deed Book / Page | 4850 / 2991 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 856 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 856 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Document Number | 0065670199 |
|---|---|
| Date | Mar 19, 2024 |
| Book Page | 6567/199 |
| Instrument | 2024034925 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 05, 2054 |
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 856 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053210903 |
|---|---|
| Date | Apr 23, 2018 |
| Book Page | 5321/0903 |
| Instrument | 2018063669 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 856 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055500810 |
|---|---|
| Date | Jul 01, 2019 |
| Book Page | 5550/0810 |
| Instrument | 2019084904 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | May 01, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 856 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Document Number | 0057341523 |
| Instrument Date | May 22, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 856 CHAMBERLIN TRL ST CLOUD FL 347727750, ST CLOUD, FL 34772-7750 |
| Document Number | 0057341523 |
|---|---|
| Date | Jun 09, 2020 |
| Book Page | 005734/001523 |
| Instrument | 73723 |
| Name | CLEARPATH LNDG |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 08, 2050 |
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 | $3,183.00 (+6.56%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $225,760 (+5.99%) | $355,700 (-3.97%) Land $78,000 Building $277,700 |
| 2023 | $2,987.00 (+3.82%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $213,008 (+3%) | $370,400 (+23.1%) Land $60,000 Building $310,400 |
| 2022 | $2,877.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $206,804 | $300,900 Land $55,000 Building $245,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Moderate above 43% of the US · above 14% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 1,695 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures