928 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 928 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,444 sqft · built 2004
Lot Size	0.246 acres (10,716 sqft)
Owner	Individual Name on Record
Last Sale	$435,000 (Sep 2022)
Tax Bill	$6,741 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`118088`

Property Details

APN / Parcel Number

Primary APN	`118088`
Alternative APN	`142630004500010830`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,444 sqft Heated Area
Gross Area	3,521 sqft
1st Floor Area	2,444 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,716 sqft (0.246 acres)
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	593 sqft
Fence	Fence
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	118088
Street Address	928 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 83
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	83
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
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	928 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage JAMES G INKROTT
Jul 20, 2020	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2022 · Amount on Record
Deed Sale	Sep 15, 2022 · Amount on Record
Prior Sale	Jul 20, 2020 · Amount on Record
Deed Document Number	2022140588
Deed Book / Page	6286 / 2704
Record Updated	Jun 8, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2022
Property Address	928 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Document Number	0062862704
Book / Page	6286 / 2704
Map Reference	MB 15 PG 38
Instrument Date	Sep 7, 2022
Instrument	2022140588
Transaction Type	Transfer
Record Updated	Sep 29, 2022
Title Company	ELEVATED TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,045.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6970 GREENHORN PATH, 6970, SAINT CLOUD, FL 34771-8483

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399

Mortgage

Document Number	0062871870
Date	Sep 16, 2022
Book Page	6287/1870
Instrument	2022141378

Lender

Name	JAMES G INKROTT
Type	Private Party
Address	4024 WATSON DR, NEW PRT RCHY, FL 34655

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2020
Property Address	928 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Document Number	0057580179
Book / Page	5758 / 179
Map Reference	MB 15 PG 38
Instrument Date	Jul 20, 2020
Instrument	2020094457
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,093.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12306 158TH TER, 12306, MC ALPIN, FL 32062-2332

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	928 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399

Mortgage

Document Number	0005758180
Date	Jul 20, 2020
Instrument	5758/180

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 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	$6,741.00 (-11.01%)	$376,400 (-10.47%) Land $78,000 Building $298,400	$376,400 (-10.47%) Land $78,000 Building $298,400
2023	$7,575.00 (+90.42%)	$420,400 (+59.92%) Land $60,000 Building $360,400	$420,400 (+24.49%) Land $60,000 Building $360,400
2022	$3,978.00 Homeowner's exemption	$262,877	$337,700 Land $55,000 Building $282,700

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
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

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

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