3810 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3810 Opal Cir, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2000
Square Footage	2,292 sqft Heated Area
Lot Size	9,540 sqft (0.219 acres)
Garage	Finished, 420 sqft
Occupancy	Owner Occupied
Tax Bill	$3,189.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`88070`
Alternative APN	`262630062600010460`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,292 sqft Heated Area
Gross Area	3,099 sqft Gross Area
1st Floor	2,291 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2000
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,540 sqft (0.219 acres)
Depth X Width	128 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	420 sqft Garage

Exterior Amenities

Pool Area	308 sqft Pool
Deck Area	543 sqft Deck
Porch	Open Porch
Porch Area	387 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	88070
Street Address	3810 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 46
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 1
Legal Tract	626
Legal Block	1
Legal Lot Number	46
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2006
Census Tract	43304

Owner

Source: Osceola County records · APN 88070

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
Mailing Address	3810 OPAL CIR, SAINT CLOUD, FL 34772-7394
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 30, 2022
Deed Sale	Jun 30, 2022
Prior Sale	Dec 27, 2005 · Amount on Record
Deed Doc Number	2015039366
Deed Book / Page	4751 / 0838
Prior Transfer Date	Mar 19, 2015
Prior Transfer Doc	2015039366
Record Refreshed	Jun 08, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3810 OPAL CIR, SAINT CLOUD, FL 34772-7394
Transaction Type	Mortgage
Record Updated	Mar 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3810 OPAL CIR, SAINT CLOUD, FL 34772-7394

Mortgage

Document Number	0058970053
Date	Feb 23, 2021
Book Page	5897/53
Instrument	2021026290

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2051

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,189.00 (+3.64%) Homeowner's exemption Disabled Person's exemption Veteran's exemption Widower's exemption	$231,066 (+5.99%)	$411,400 (+8.81%) Land $75,000 Building $336,400
2023	$3,077.00 (+3.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$218,014 (+3%)	$378,100 (+15.34%) Land $65,000 Building $313,100
2022	$2,965.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$211,665	$327,800 Land $60,000 Building $267,800

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 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

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.