Osceola County property record for 3816 Opal Cir, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1999 |
| Square Footage | 1,792 sqft Heated Area |
| Lot Size | 11,761 sqft (0.269 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $172,000 (2015) |
| Tax Bill | $3,087.00 (2025) |
| Primary APN | 88067 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,792 sqft Heated Area |
| Gross Area | 2,636 sqft Gross Area |
| 1st Floor | 1,792 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 11,761 sqft (0.269 acres) |
| Depth X Width | 115 ft x 90 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 456 sqft Garage |
| Pool Area | 28 sqft Pool |
|---|---|
| Deck Area | 509 sqft Deck |
| Porch | Open Porch |
| Porch Area | 388 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 88067 |
|---|---|
| Street Address | 3816 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 43 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 1 |
| Legal Tract | 626 |
| Legal Block | 1 |
| Legal Lot Number | 43 |
| 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 88067
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3816 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Mar 31, 2017 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SUN WEST MORTGAGE COMPANY INC |
| Nov 17, 2020 | Loan Modification, Mortgage · Federal Housing Administration (FHA) Mortgage SUN WEST MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 19, 2015 · Amount on Record |
| Deed Sale | Feb 19, 2015 · Amount on Record |
| Prior Sale | Jul 17, 2008 · Amount on Record |
| Deed Doc Number | 2015025083 |
| Deed Book / Page | 4737 / 2879 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3816 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0051251858 |
|---|---|
| Date | Mar 31, 2017 |
| Book Page | 5125/1858 |
| Instrument | 2017049766 |
| Name | SUN WEST MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Address | CERRITOS, CA 90703 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2047 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3816 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0058411848 |
| Instrument Date | Nov 17, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 16, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3816 OPAL CIR ST CLOUD FL 347727394, ST CLOUD, FL 34772-7394 |
| Document Number | 0058411848 |
|---|---|
| Date | Nov 30, 2020 |
| Book Page | 005841/001848 |
| Instrument | 162391 |
| Name | SUN WEST MTG |
|---|---|
| Type | Mortgage Company |
| Address | BUENA PARK, CA 90620 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 29, 2050 |
| Rate | 3% |
|---|
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $3,087.00 (+6.41%) Homeowner's exemption | $215,392 (+5.99%) | $347,800 (+9.23%) Land $75,000 Building $272,800 |
| 2023 | $2,901.00 (+3.76%) Homeowner's exemption | $203,226 (+3%) | $318,400 (+14.9%) Land $65,000 Building $253,400 |
| 2022 | $2,796.00 Homeowner's exemption | $197,307 | $277,100 Land $60,000 Building $217,100 |
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 X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| 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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