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3803 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3803 Opal Cir, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,693 sqft · built 2001
Lot Size0.234 acres (10,193 sqft)
OwnerIndividual Name on File
Last Sale$295,000 (Sep 2020)
Tax Bill$3,978 (2025)
Deeds & MortgagesOct 2018 Mortgage
Sep 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-26-30-0626-0001-0520

Property Details

APN / Parcel Number

Primary APN26-26-30-0626-0001-0520
Alternative APNs
  • 263026062600010520
  • 88076

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,693 sqft Living Area
Gross Area2,612 sqft Gross Area
1st Floor Area1,693 sqft 1st Floor
Stories1 Story
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2001
Effective Year BuiltEffective 2001
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,193 sqft (0.234 acres)
Lot Dimensions120 ft deep x 80 ft wide
Parking Spaces2 Parking Spaces
Garage TypeAttached
Garage Area483 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area312 sqft Pool
Deck Area1,044 sqft Deck
PorchFlorida Room
Porch Area436 sqft Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3803 OPAL CIR
CitySAINT CLOUD
StateFL
Zip34772-7395
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSAWGRASS UNIT 1 PB 10 PG 140-141 LOT 52
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionSAWGRASS UNIT 1
Legal Tract626
Legal Block520
Legal Lot Number52
Legal Unit1P
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2010
Census Tract43304

Owner

Source: Osceola County records · APN 26-26-30-0626-0001-0520

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3803 OPAL CIR, SAINT CLOUD, FL 34772-7395
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2018Deed of Trust, Mortgage · Conventional Mortgage
CENTRAL FLORIDA EDUCATORS FCU
Sep 17, 2020Quit Claim Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC
Sep 17, 2020Warranty Deed, Transfer · Conventional Mortgage
CMG MORTGAGE INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 17, 2020 · Amount on Record
Deed SaleSep 17, 2020 · Amount on Record
Prior SaleAug 01, 2001 · Amount on Record
Deed Document Number2020124423
Deed Book / Page5795 / 961
Prior Transfer DateSep 16, 2020
Prior Transfer Doc0057950979
Record UpdatedJun 08, 2026

October 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3803 OPAL CIR, SAINT CLOUD, FL 34772-7395
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyBRIGHT TITLE & TRUST LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0054151607
DateOct 10, 2018
Book Page5415/1607
Instrument2018152390
Lender
NameCENTRAL FLORIDA EDUCATORS FCU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueNov 01, 2033

September 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateSep 17, 2020
Property Address3803 OPAL CIR, SAINT CLOUD, FL 34772-7395
Document Number0057950979
Book / Page005795 / 000979
Instrument DateSep 16, 2020
Instrument124425
Transaction TypeTransfer
Record UpdatedOct 20, 2020
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3803 OPAL CIR ST CLOUD FL 347727395, ST CLOUD, FL 34772-7395

September 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 17, 2020
Property Address3803 OPAL CIR, SAINT CLOUD, FL 34772-7395
Document Number0057950961
Book / Page5795 / 961
Map ReferenceMB 10 PG 140&141
Instrument DateSep 16, 2020
Instrument2020124423
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyLAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3803 OPAL CIR, 3803, SAINT CLOUD, FL 34772-7395

Transferred To (Grantee/Buyer)

NameVerified Name
Address3803 OPAL CIR, SAINT CLOUD, FL 34772-7395

Mortgage

Document Number0005795963
DateSep 17, 2020
Instrument5795/963
Lender
NameCMG MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,978.00 (+3.49%) Homeowner's exemption$265,136 (+5.99%)$357,500 (+8.83%) Land $75,000 Building $282,500
2024$3,844.00 (+2.62%)
2023$3,746.00 (+3.57%) Homeowner's exemption$250,160 (+3%)$328,500 (+14.42%) Land $65,000 Building $263,500
2022$3,617.00 Homeowner's exemption$242,874$287,100 Land $60,000 Building $227,100

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 100 ft

Wildfire

Wildfire RiskLow
above 36% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 2,000 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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