881 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 881 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,630 sqft · built 2005
Lot Size	0.219 acres (9,583 sqft)
Owner	2 Individual Names on File
Last Sale	$293,900 (Jan 2018)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`124251`

Property Details

APN / Parcel Number

Primary APN	`124251`
Alternative APN	`142630004700011500`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,630 sqft Heated Area
Gross Area	3,508 sqft
1st Floor Area	2,098 sqft
Upper Floors Area	532 sqft
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	9,583 sqft (0.219 acres)
Lot Dimensions	125 ft deep x 70 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	437 sqft
Patio Area	420 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	124251
Street Address	881 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 150
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	150
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43303

Owner

881 Chamberlin Trl is owned and occupied by two individuals who bought it in January 2018.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Mailing Address	881 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2018 · Amount on File
Deed Sale	Jan 16, 2018 · Amount on File
Prior Sale	Dec 10, 2007 · Amount on File
Deed Document Number	2018007729
Deed Book / Page	5269 / 0768
Record Updated	Jun 8, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 16, 2018
Property Address	881 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749
Document Number	0052690768
Book / Page	005269 / 000768
Instrument Date	Jan 12, 2018
Instrument	7729
Transaction Type	Transfer
Record Updated	Feb 9, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,057.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	881 CHAMBERLIN TRL ST CLOUD FL 347727749, ST CLOUD, FL 34772-7749

Mortgage

Document Number	52690771
Date	Jan 16, 2018
Book Page	005269/000771
Instrument	7732

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 881 Chamberlin Trl was $4 with exemptions applied.

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$276,196	$384,900 Land $78,000 Building $306,900
2023	$3,934.00 (+3.53%) Homeowner's exemption	$260,596 (+3%)	$430,400 (+24.36%) Land $60,000 Building $370,400
2022	$3,800.00 Homeowner's exemption	$253,006	$346,100 Land $55,000 Building $291,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 881 Chamberlin Trl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 881 Chamberlin Trl is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Chamberlin Trl

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