Osceola County property record for 893 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,966 sqft · built 2005 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on File |
| Last Sale | $242,000 (May 2015) |
| Tax Bill | $4,145 (2025) |
| Deeds & Mortgages | Jun 2023 Line of Credit Oct 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 124250 |
| Primary APN | 124250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,966 sqft Heated Area |
| Gross Area | 3,899 sqft |
| 1st Floor Area | 2,450 sqft |
| Upper Floors Area | 516 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 | 8,756 sqft (0.201 acres) |
| Lot Dimensions | 125 ft deep x 70 ft wide |
| Garage Type | Finished |
| Garage Area | 630 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 303 sqft |
| Patio Area | 408 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 124250 |
|---|---|
| Street Address | 893 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 149 |
| 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 | 149 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
Source: Osceola County records · APN 124250
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 | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 27, 2023 | Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU |
| Oct 05, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Dec 09, 2020 | Deed of Trust, Mortgage · FHA Mortgage PRIMARY RESIDENTIAL MORTGAGE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 05, 2015 · Amount on Record |
| Deed Sale | May 05, 2015 · Amount on Record |
| Prior Sale | Oct 08, 2014 |
| Deed Document Number | 2015065091 |
| Deed Book / Page | 4774 / 2529 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2023 |
| Title Company | PRIMERA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0064311525 |
|---|---|
| Date | Jun 27, 2023 |
| Book Page | 6431/1525 |
| Instrument | 2023082998 |
| Name | ADDITION FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | LAKE MARY, FL 32746 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 420 Months |
| Due | Jun 26, 2058 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0060582225 |
|---|---|
| Date | Oct 05, 2021 |
| Book Page | 6058/2225 |
| Instrument | 2021154516 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 893 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7749 |
| Document Number | 0058480320 |
|---|---|
| Date | Dec 09, 2020 |
| Book Page | 5848/320 |
| Instrument | 2020167217 |
| Name | PRIMARY RESIDENTIAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | SALT LAKE CITY, UT 84116 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 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 | $4,145.00 (+6.15%) Homeowner's exemption | $274,490 (+5.99%) | $417,900 (-3.78%) Land $78,000 Building $339,900 |
| 2023 | $3,905.00 Homeowner's exemption | $258,986 | $434,300 Land $60,000 Building $374,300 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 213 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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