857 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 857 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,694 sqft · built 2005
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Mar 2013)
Tax Bill	$3,196 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124255`

Property Details

APN / Parcel Number

Primary APN	`124255`
Alternative APN	`142630004700011540`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,694 sqft Heated Area
Gross Area	3,482 sqft
1st Floor Area	2,162 sqft
Upper Floors Area	532 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Open Porch
Porch Area	347 sqft
Deck Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	124255
Street Address	857 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 154
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	154
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 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	857 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2013 · Amount on Record
Deed Sale	Mar 20, 2013 · Amount on Record
Prior Sale	Jan 18, 2005 · Amount on Record
Deed Document Number	2013046159
Deed Book / Page	4414 / 2650
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	857 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749
Document Number	0057670411
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	857 CHAMBERLIN TRL ST CLOUD FL 347727749, ST CLOUD, FL 34772-7749

Mortgage

Document Number	0057670411
Date	Aug 3, 2020
Book Page	005767/000411
Instrument	101047

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 2, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,196.00 (+6.39%) Homeowner's exemption	$221,464 (+5.99%)	$396,000 (-9.98%) Land $78,000 Building $318,000
2023	$3,004.00 (+3.73%) Homeowner's exemption	$208,955 (+3%)	$439,900 (+23.53%) Land $60,000 Building $379,900
2022	$2,896.00 Homeowner's exemption	$202,869	$356,100 Land $55,000 Building $301,100

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
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.

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