Osceola County property record for 971 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 2,700 sqft · built 2004 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Apr 2022) |
| Tax Bill | $5,795 (2025) |
| Deeds & Mortgages | Apr 2022 Sale & Mortgage Sep 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 118096 |
| Primary APN | 118096 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 2,700 sqft Heated Area |
| Gross Area | 3,560 sqft |
| 1st Floor Area | 2,168 sqft |
| Upper Floors Area | 532 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| 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) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 336 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 419 sqft |
| Deck Area | 739 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 118096 |
|---|---|
| Street Address | 971 CHAMBERLIN TRL |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7642 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SR1B |
| Legal Description | INDIAN LAKES PHASE 2 PB 15 PG 38 LOT 91 |
| 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 | 91 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
Source: Osceola County records · APN 118096
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 | 971 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 04, 2022 | Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK |
| Sep 30, 2020 | Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 04, 2022 · Amount on Record |
| Deed Sale | Apr 04, 2022 · Amount on Record |
| Prior Sale | Sep 30, 2020 · Amount on Record |
| Deed Document Number | 2022053264 |
| Deed Book / Page | 6186 / 1961 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 04, 2022 |
| Property Address | 971 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Document Number | 0061861961 |
| Book / Page | 6186 / 1961 |
| Map Reference | MB 15 PG 38 |
| Instrument Date | Mar 25, 2022 |
| Instrument | 2022053264 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Title Company | NU WORLD TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 16550 RICH ST, 16550, GRAND HAVEN, MI 49417-9674 |
| Name | Verified Name |
|---|---|
| Address | 971 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Document Number | 0061861963 |
|---|---|
| Date | Apr 04, 2022 |
| Instrument | 6186/1963 |
| Name | PLAINS COMMERCE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 30, 2020 |
| Property Address | 971 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Document Number | 0058030846 |
| Book / Page | 5803 / 846 |
| Map Reference | MB 15 PG 38 |
| Instrument Date | Sep 29, 2020 |
| Instrument | 2020130997 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,310.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4204 HAMILTON CT, 4204, SAINT CLOUD, FL 34769-6725 |
| Name | Verified Name |
|---|---|
| Address | 971 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Document Number | 0005803847 |
|---|---|
| Date | Sep 30, 2020 |
| Instrument | 5803/847 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 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 | $5,795.00 (+5.92%) Homeowner's exemption | $366,671 (+5.99%) | $401,600 (-1%) Land $78,000 Building $323,600 |
| 2023 | $5,471.00 (-6.97%) Homeowner's exemption | $345,960 (-4.43%) | $446,200 (+23.26%) Land $60,000 Building $386,200 |
| 2022 | $5,881.00 | $362,000 Land $55,000 Building $307,000 | $362,000 Land $55,000 Building $307,000 |
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 |
|---|---|
| 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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