Osceola County property record for 3808 Opal Cir, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2000 |
| Square Footage | 1,922 sqft Living Area |
| Lot Size | 9,713 sqft (0.223 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $276,000 (2018) |
| Tax Bill | $3,515.00 (2024) |
| Primary APN | 26-26-30-0626-0001-0470 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,922 sqft Living Area |
| Gross Area | 2,612 sqft Gross Area |
| 1st Floor | 1,922 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,713 sqft (0.223 acres) |
| Depth X Width | 126 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 504 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 308 sqft Pool |
| Deck Area | 520 sqft Deck |
| Porch Area | 186 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3808 OPAL CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7394 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SAWGRASS UNIT 1 PB 10 PG 140-141 LOT 47 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 1 |
| Legal Tract | 626 |
| Legal Block | 470 |
| Legal Lot Number | 47 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2006 |
| Census Tract | 43304 |
Source: Osceola County records · APN 26-26-30-0626-0001-0470
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| Oct 25, 2021 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Mar 11, 2026 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Dec 27, 2017 | Deed of Trust, Mortgage · Line of Credit NORTHWEST FCU |
| Mar 17, 2020 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Aug 24, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Feb 10, 2017 | Quit Claim Deed, Transfer · Federal Housing Administration (FHA) Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 24, 2018 · Amount on Record |
| Deed Sale | Aug 24, 2018 · Amount on Record |
| Prior Sale | May 13, 2010 · Amount on Record |
| Deed Doc Number | 2018129714 |
| Deed Book / Page | 5391 / 395 |
| Last Transfer Date | Mar 11, 2026 |
| Transfer Doc | 0069342513 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|---|
| Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0060720235 |
|---|---|
| Date | Oct 25, 2021 |
| Book Page | 6072/235 |
| Instrument | 2021165619 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2026 |
| Property Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0069342513 |
| Book / Page | 6934 / 2513 |
| Map Reference | MB 10 PG 140&141 |
| Instrument Date | Mar 06, 2026 |
| Instrument | 2026031335 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Name | Verified Name |
|---|---|
| Address | 406 HIGH ST, DICKSON, TN 37055-2452 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052590830 |
|---|---|
| Date | Dec 27, 2017 |
| Book Page | 5259/0830 |
| Instrument | 2017183069 |
| Name | NORTHWEST FCU |
|---|---|
| Type | Credit Union |
| Address | HERNDON, VA 20170 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 19, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0056931079 |
|---|---|
| Date | Mar 17, 2020 |
| Book Page | 5693/1079 |
| Instrument | 2020037925 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 24, 2018 |
| Property Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0053910395 |
| Book / Page | 5391 / 0395 |
| Map Reference | MB10 PG140&141 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 2018129714 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,932.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3808 OPAL CIR, 3808, SAINT CLOUD, FL 34772-7394 |
| Name | Verified Name |
|---|---|
| Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 2018129715 |
|---|---|
| Date | Aug 24, 2018 |
| Instrument | 2018129715 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2048 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 10, 2017 |
| Property Address | 3808 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0051010724 |
| Book / Page | 005101 / 000724 |
| Instrument Date | Feb 01, 2017 |
| Instrument | 23778 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2017 |
| Title Company | CLOSING USA LLC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3808 OPAL CIR ST CLOUD FL 347727394, ST CLOUD, FL 34772-7394 |
| Document Number | 51010727 |
|---|---|
| Date | Feb 10, 2017 |
| Book Page | 005101/000727 |
| Instrument | 23779 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 09, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $3,639.00 (+3.53%) Homeowner's exemption | $246,221 (+5.99%) | $361,300 (+9.12%) Land $75,000 Building $286,300 |
| 2024 | $3,515.00 (+2.66%) | ||
| 2023 | $3,424.00 (+3.6%) Homeowner's exemption | $232,313 (+3%) | $331,100 (+15.17%) Land $65,000 Building $266,100 |
| 2022 | $3,305.00 Homeowner's exemption | $225,547 | $287,500 Land $60,000 Building $227,500 |
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
| FEMA Flood Zone | Zone A |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Wildfire Risk | Low above 36% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,000 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.
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