922 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 922 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,030 sqft · built 2004
Lot Size	0.303 acres (13,199 sqft)
Owner	Individual Name on File
Last Sale	$300,000 (Jun 2020)
Tax Bill	$4,952 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`118089`

Property Details

APN / Parcel Number

Primary APN	`118089`
Alternative APN	`142630004500010840`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,030 sqft Heated Area
Gross Area	3,977 sqft
1st Floor Area	2,450 sqft
Upper Floors Area	580 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	13,199 sqft (0.303 acres)
Garage Type	Finished
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	38 sqft
Porch	Open Porch
Porch Area	297 sqft
Deck Area	740 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	118089
Street Address	922 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 84
Legal Range	30E
Legal Township	26S
Legal Section	14
Legal Subdivision	INDIAN LAKES
Legal Phase	2
Legal Tract	45
Legal Block	1
Legal Lot Number	84
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43303

Owner

Source: Osceola County records · APN 118089

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
Mailing Address	922 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 23, 2020 · Amount on Record
Deed Sale	Jun 23, 2020 · Amount on Record
Prior Sale	Jun 18, 2013 · Amount on Record
Deed Document Number	2020080715
Deed Book / Page	5742 / 924
Record Updated	Jun 08, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 23, 2020
Property Address	922 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Document Number	0057420924
Book / Page	5742 / 924
Map Reference	MB 15 PG 38
Instrument Date	Jun 10, 2020
Instrument	2020080715
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	ALL FL PROFESSIONAL TTL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,100.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2337 HAVILAND AVE, 2337, BRONX, NY 10462-5305

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	922 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399

Mortgage

Document Number	0005742926
Date	Jun 23, 2020
Instrument	5742/926

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$4,952.00 (+6.02%) Homeowner's exemption	$319,558 (+5.99%)	$436,400 (-3.54%) Land $78,000 Building $358,400
2023	$4,671.00 (+3.43%) Homeowner's exemption	$301,507 (+3%)	$452,400 (+23.71%) Land $60,000 Building $392,400
2022	$4,516.00 Homeowner's exemption	$292,726	$365,700 Land $55,000 Building $310,700

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X minimal risk
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

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.

Internet Providers

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.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

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

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 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.