970 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 970 Chamberlin Trl, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,969 sqft · built 2004
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Mar 2020)
Tax Bill	$3,780 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`118081`

Property Details

APN / Parcel Number

Primary APN	`118081`
Alternative APN	`142630004500010760`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,969 sqft Heated Area
Gross Area	2,811 sqft
1st Floor Area	1,969 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	8,756 sqft (0.201 acres)
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	401 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	118081
Street Address	970 CHAMBERLIN TRL
City	SAINT CLOUD
State	FL
Zip	34772-7399
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INDIAN LAKES PHASE 2 PB 15 PG 38 LOT 76
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	76
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43303

Owner

Source: Osceola County records · APN 118081

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	970 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 25, 2020 · Amount on Record
Deed Sale	Mar 25, 2020 · Amount on Record
Prior Sale	Feb 19, 2004 · Amount on Record
Deed Document Number	2020042726
Deed Book / Page	5698 / 1428
Record Updated	Jun 08, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2020
Property Address	970 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399
Document Number	0056981428
Book / Page	5698 / 1428
Map Reference	MB 15 PG 38
Instrument Date	Mar 19, 2020
Instrument	2020042726
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	558 BRIDGEFORD CROSSING BLVD, 558, DAVENPORT, FL 33837-7534

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	970 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7399

Mortgage

Document Number	0056981430
Date	Mar 25, 2020
Instrument	5698/1430

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 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	$3,780.00 (+6.24%) Homeowner's exemption	$254,095 (+5.99%)	$340,700 (-4.03%) Land $78,000 Building $262,700
2023	$3,558.00 (+3.58%) Homeowner's exemption	$239,742 (+3%)	$355,000 (+23.31%) Land $60,000 Building $295,000
2022	$3,435.00 Homeowner's exemption	$232,760	$287,900 Land $55,000 Building $232,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 34% of the US · above 9% of Florida
Wildfire Likelihood	About 1 in 2,439 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.