983 Chamberlin Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 983 Chamberlin Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,927 sqft · built 2004
Lot Size	0.201 acres (8,756 sqft)
Owner	Individual Name on File
Last Sale	$410,000 (Oct 2023)
Tax Bill	$5,286 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`118098`

Property Details

APN / Parcel Number

Primary APN	`118098`
Alternative APN	`142630004500010930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,927 sqft Heated Area
Gross Area	2,891 sqft
1st Floor Area	1,927 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	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	480 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	118098
Street Address	983 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 93
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	93
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43303

Owner

Source: Osceola County records · APN 118098

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	983 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 23, 2023 · Amount on Record
Deed Sale	Oct 23, 2023 · Amount on Record
Prior Sale	Apr 12, 2004 · Amount on Record
Deed Document Number	2023138808
Deed Book / Page	6493 / 1081
Record Updated	Jun 08, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 23, 2023
Property Address	983 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642
Document Number	0064931081
Book / Page	6493 / 1081
Map Reference	MB 15 PG 38
Instrument Date	Oct 12, 2023
Instrument	2023138808
Transaction Type	Transfer
Record Updated	Nov 14, 2023
Title Company	NOT AVAILABLE, WOLFS CROSSING T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,870.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	545 VALENCIA RD, MARS, PA 16046-3625

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	983 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7642
Investor	Possibly a Property Investor

Mortgage

Document Number	0064931083
Date	Oct 23, 2023
Instrument	6493/1083

Lender

Name	FAIRWINDS CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Nov 01, 2043

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,286.00 (+215.96%) Homeowner's exemption	$338,200 (+130.68%) Land $78,000 Building $260,200	$338,200 (-4.08%) Land $78,000 Building $260,200
2023	$1,673.00 (+4.76%) Homeowner's exemption Senior Citizen's exemption	$146,612 (+3%)	$352,600 (+23.89%) Land $60,000 Building $292,600
2022	$1,597.00 Homeowner's exemption Senior Citizen's exemption	$142,342	$284,600 Land $55,000 Building $229,600

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.