916 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 916 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,450 sqft · built 2004
Lot Size	0.286 acres (12,458 sqft)
Owner	2 Individual Names on File
Last Sale	$134,500 (Mar 2011)
Tax Bill	$2,429 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`14-26-30-0045-0001-0850`

Property Details

APN / Parcel Number

Primary APN	`14-26-30-0045-0001-0850`
Alternative APNs	`263014004500010850` `118090`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,450 sqft Living Area
Gross Area	3,373 sqft
1st Floor Area	2,450 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	12,458 sqft (0.286 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	303 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	916 CHAMBERLIN TRL
City	SAINT CLOUD
State	FL
Zip	34772-7399
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	INDIAN LAKES PHASE 2 PB 15 PG 38 LOT 85
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES PH 2
Legal Phase	2
Legal Tract	45
Legal Block	850
Legal Lot Number	85
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43303

Owner

Source: Osceola County assessment roll, as of November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	916 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2024	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Aug 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 25, 2011 · Amount on Record
Deed Sale	Mar 25, 2011 · Amount on Record
Prior Sale	Jun 22, 2010
Deed Document Number	201139397
Deed Book / Page	4109 / 2255
Last Transfer Date	Aug 19, 2021
Transfer Doc	0060292349
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	916 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399

Mortgage

Document Number	0065730291
Date	Apr 1, 2024
Book Page	6573/291
Instrument	2024040084

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	PO BOX 2026, FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 15, 2054

Interest

Change Frequency	Monthly

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2021
Property Address	916 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Document Number	0060292349
Book / Page	6029 / 2349
Map Reference	MB 15 PG 38
Instrument Date	Aug 19, 2021
Instrument	2021132086
Transaction Type	Transfer
Record Updated	Sep 7, 2021
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	916 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399

Mortgage

Document Number	60292350
Date	Aug 25, 2021
Instrument	6029/2350

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,429.00 (+3.67%) Homeowner's exemption	$178,627 (+5.99%)	$368,000 (-10.33%) Land $78,000 Building $290,000
2024	$2,343.00 (+2.94%)
2023	$2,276.00 (+3.97%) Homeowner's exemption	$168,537 (+3%)	$410,400 (+24.48%) Land $60,000 Building $350,400
2022	$2,189.00 Homeowner's exemption	$163,629	$329,700 Land $55,000 Building $274,700

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	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

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

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