3810 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3810 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,107 sqft · built 2008
Lot Size	0.266 acres (11,586 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,900 (May 2015)
Tax Bill	$6,970 (2025)
Deeds & Mortgages	May 2020 Mortgage
Flood Zone	Zone A (high risk)
APN	`34-26-30-0056-0001-1090`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0056-0001-1090`
Alternative APNs	`263034005600011090` `139272`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,107 sqft Living Area
Gross Area	3,979 sqft
1st Floor Area	1,675 sqft
Upper Floors Area	1,432 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,586 sqft (0.266 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	474 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3810 SPIRITED CIR
City	SAINT CLOUD
State	FL
Zip	34772-8241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 1 PB 18 PG 92-100 LOT 109
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 1
Legal Phase	1
Legal Tract	56
Legal Block	1090
Legal Lot Number	109
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records, as of November 26, 2025

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 Record
Mailing Address	2181 BETSY ROSS LN, SAINT CLOUD, FL 34769-7099
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2015 · Amount on Record
Deed Sale	May 6, 2015 · Amount on Record
Prior Sale	Mar 13, 2008 · Amount on Record
Deed Document Number	201565525
Deed Book / Page	4775 / 790
Prior Transfer Date	Jul 22, 2013
Prior Transfer Doc	0044911999
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3810 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0057382189
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3810 SPIRITED CIR ST CLOUD FL 347728241, ST CLOUD, FL 34772-8241

Mortgage

Document Number	0057382189
Date	Jun 17, 2020
Book Page	005738/002189
Instrument	77374

Lender

Name	R P FNDG INC
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 16, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,970.00 (-7.63%) Homeowner's exemption	$432,300 (-6.04%) Land $75,000 Building $357,300	$432,300 (-6.04%) Land $75,000 Building $357,300
2024	$7,546.00 (+13.83%)
2023	$6,629.00 (+15.09%)	$460,100 (+24.69%) Land $60,000 Building $400,100	$460,100 (+24.69%) Land $60,000 Building $400,100
2022	$5,760.00	$369,000 Land $55,000 Building $314,000	$369,000 Land $55,000 Building $314,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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