3814 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3814 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,865 sqft · built 2007
Lot Size	0.182 acres (7,928 sqft)
Owner	Individual Name on Record
Last Sale	$459,900 (Feb 2022)
Tax Bill	$6,334 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`139270`

Property Details

APN / Parcel Number

Primary APN	`139270`
Alternative APN	`342630005600011070`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,865 sqft Heated Area
Gross Area	3,718 sqft
1st Floor Area	1,306 sqft
Upper Floors Area	1,559 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,928 sqft (0.182 acres)
Garage Type	Finished
Garage Area	701 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	240 sqft
Porch	Open Porch
Porch Area	152 sqft
Deck Area	300 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139270
Street Address	3814 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 107
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	1
Legal Tract	56
Legal Block	1
Legal Lot Number	107
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 December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3814 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Feb 2, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTY HOME MORTGAGE CORP
Jun 3, 2020	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS
Feb 7, 2019	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2022 · Amount on Record
Deed Sale	Feb 2, 2022 · Amount on Record
Prior Sale	Feb 1, 2012 · Amount on Record
Deed Document Number	2022017886
Deed Book / Page	6142 / 873
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3814 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059411250
Date	Apr 22, 2021
Book Page	5941/1250
Instrument	2021061067

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 2, 2022
Property Address	3814 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0061420873
Book / Page	6142 / 873
Map Reference	MB 18 PG 92
Instrument Date	Jan 24, 2022
Instrument	2022017886
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,219.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	306 WISCONSIN AVE, 306, SAINT CLOUD, FL 34769-2256

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3814 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0006142875
Date	Feb 2, 2022
Instrument	6142/875

Lender

Name	GUARANTY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3814 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0057330806
Instrument Date	Jun 3, 2020
Transaction Type	Mortgage
Record Updated	Jul 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3814 SPIRITED CIR ST CLOUD FL 347728241, ST CLOUD, FL 34772-8241

Mortgage

Document Number	0057330806
Date	Jun 8, 2020
Book Page	005733/000806
Instrument	72845

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3814 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0054752359
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 28, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3814 SPIRITED CIR ST CLOUD FL 347728241, ST CLOUD, FL 34772-8241

Mortgage

Document Number	0054752359
Date	Feb 12, 2019
Book Page	005475/002359
Instrument	17968

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 11, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$6,334.00 (-16.16%) Homeowner's exemption	$396,800 (-5.37%) Land $75,000 Building $321,800	$396,800 (-5.37%) Land $75,000 Building $321,800
2023	$7,555.00 (+234.14%)	$419,300 (+142.92%) Land $60,000 Building $359,300	$419,300 (+15.51%) Land $60,000 Building $359,300
2022	$2,261.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$172,611	$363,000 Land $55,000 Building $308,000

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.

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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