3815 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3815 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 1999
Square Footage	2,069 sqft Heated Area
Lot Size	11,718 sqft (0.269 acres)
Occupancy	Owner Occupied
Last Sale	$290,000 (2019)
Tax Bill	$5,914.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`88084`
Alternative APN	`262630062600010600`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,069 sqft Heated Area
Gross Area	2,816 sqft Gross Area
1st Floor	2,069 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1999
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	11,718 sqft (0.269 acres)
Depth X Width	120 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	442 sqft Garage

Exterior Amenities

Pool Area	38 sqft Pool
Deck Area	502 sqft Deck
Porch	Open Porch
Porch Area	305 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	88084
Street Address	3815 OPAL CIR
City	SAINT CLOUD
State	FL
Zip	34772-7395
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	SAWGRASS UNIT 1 PB 10 PG 140-141 LOT 60
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 1
Legal Tract	626
Legal Block	1
Legal Lot Number	60
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2010
Census Tract	43304

Owner

Source: Osceola County records · APN 88084

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	2 Individual Names on File
Mailing Address	3815 OPAL CIR, SAINT CLOUD, FL 34772-7395
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 25, 2019 · Amount on Record
Deed Sale	Nov 25, 2019 · Amount on Record
Prior Sale	Oct 26, 2011 · Amount on Record
Deed Doc Number	0056292222
Deed Book / Page	5629 / 2222
Record Refreshed	Jun 08, 2026

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 25, 2019
Property Address	3815 OPAL CIR, SAINT CLOUD, FL 34772-7395
Document Number	0056292222
Book / Page	005629 / 002222
Instrument Date	Nov 25, 2019
Instrument	153505
Transaction Type	Transfer
Record Updated	Dec 18, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,030.00
Amount Accuracy	Confirmed
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	1230 SE 14TH DR DEERFIELD BEACH FL 334417334, DEERFIELD BEACH, FL 33441-7334

Mortgage

Document Number	56292223
Date	Nov 25, 2019
Book Page	005629/002223
Instrument	153506

Lender

Name	DAS ACQUISITION
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage with Private Mortgage Insurance (PMI)
Amount	Amount Recorded
Term	360 Months
Due	Nov 24, 2049

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	$5,914.00 (+2.11%) Homeowner's exemption	$373,321 (+5.58%)	$385,500 (+9.02%) Land $75,000 Building $310,500
2023	$5,792.00 (+11.58%)	$353,600 (+15.1%) Land $65,000 Building $288,600	$353,600 (+15.1%) Land $65,000 Building $288,600
2022	$5,191.00	$307,200 Land $60,000 Building $247,200	$307,200 Land $60,000 Building $247,200

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 X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 100 ft

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.