Osceola County property record for 977 Chamberlin Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,289 sqft · built 2004 |
| Lot Size | 0.201 acres (8,756 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,000 (Apr 2021) |
| Tax Bill | $9,703 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Apr 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 118097 |
| Primary APN | 118097 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,289 sqft Heated Area |
| Gross Area | 3,082 sqft |
| 1st Floor Area | 2,289 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 309 sqft |
| Patio Area | 48 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 118097 |
|---|---|
| Street Address | 977 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 92 |
| 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 | 92 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1025 |
| Census Tract | 43303 |
Source: Osceola County records · APN 118097
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 | 977 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 15, 2023 | Deed of Trust, Mortgage · FHA Mortgage JACKSON FLAGSTAR CENTRE OFFICE |
| Apr 26, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on Record |
| Deed Sale | Apr 26, 2021 · Amount on Record |
| Prior Sale | Jan 18, 2006 · Amount on Record |
| Deed Document Number | 2021062658 |
| Deed Book / Page | 5943 / 1204 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 977 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Transaction Type | Mortgage |
| Record Updated | Mar 28, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 977 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Document Number | 0063711673 |
|---|---|
| Date | Mar 15, 2023 |
| Book Page | 6371/1673 |
| Instrument | 2023029730 |
| Name | JACKSON FLAGSTAR CENTRE OFFICE |
|---|---|
| Type | Bank |
| Address | JACKSONVILLE, FL 32256 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 338 Months |
| Due | May 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2021 |
| Property Address | 977 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642 |
| Document Number | 0059431204 |
| Book / Page | 5943 / 1204 |
| Map Reference | MB 15 PG 38 |
| Instrument Date | Apr 07, 2021 |
| Instrument | 2021062658 |
| Transaction Type | Transfer |
| Record Updated | Sep 17, 2021 |
| Title Company | ARTESIAN TITLE, ARTESIAN TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,170.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12585 KEY LIME BLVD, 12585, WEST PALM BEACH, FL 33412-1411 |
| Name | Verified Name |
|---|---|
| Address | 4808 TERRA SOLE PL, SAINT CLOUD, FL 34771-8802 |
| Document Number | 59431206 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 5943/1206 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2051 |
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 | $9,703.00 (+3.05%) Homeowner's exemption | $336,232 (+5.99%) | $345,000 (-9.83%) Land $78,000 Building $267,000 |
| 2023 | $9,416.00 (+41.74%) Homeowner's exemption | $317,240 (+3%) | $382,600 (+24.22%) Land $60,000 Building $322,600 |
| 2022 | $6,643.00 Homeowner's exemption | $308,000 Land $55,000 Building $253,000 | $308,000 Land $55,000 Building $253,000 |
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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