Osceola County property record for 3820 Forest Cir, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 1988 |
| Square Footage | 2,157 sqft Living Area |
| Lot Size | 19,994 sqft (0.459 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $470,000 (2025) |
| Tax Bill | $2,520.00 (2024) |
| Primary APN | 35-26-30-3312-0001-0020 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,157 sqft Living Area |
| Gross Area | 2,733 sqft Gross Area |
| 1st Floor | 1,370 sqft 1st Floor |
| Upper Floors | 787 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional Style |
| Exterior Material | Aluminum/Vinyl Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 19,994 sqft (0.459 acres) |
| Depth X Width | 200 ft x 100 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 528 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 480 sqft Pool |
| Deck Area | 846 sqft Deck |
| Porch Area | 48 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3820 FOREST CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7454 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | HIDDEN PINES PB 4 PG 198 LOT 2 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 35 |
| Legal Subdivision | HIDDEN PINES |
| Legal Tract | 3312 |
| Legal Block | 20 |
| Legal Lot Number | 2 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1019 |
| Census Tract | 43209 |
Source: Osceola County records · APN 35-26-30-3312-0001-0020
Assessment roll updated November 26, 2025 · Last verified April 2026
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 | 3820 FOREST CIR, SAINT CLOUD, FL 34772-7454 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 08, 2025 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage MORTGAGE EQUITY PARTNERS LLC |
| Oct 06, 2017 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 08, 2025 · Amount on Record |
| Deed Sale | Dec 08, 2025 · Amount on Record |
| Prior Sale | Oct 20, 1999 · Amount on Record |
| Deed Doc Number | 2025149832 |
| Deed Book / Page | 6890 / 941 |
| Prior Transfer Date | Jul 28, 2010 |
| Prior Transfer Doc | 0040530448 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 08, 2025 |
| Property Address | 3820 FOREST CIR, SAINT CLOUD, FL 34772-7454 |
| Document Number | 0068900941 |
| Book / Page | 6890 / 941 |
| Map Reference | MB 4 PG 198 |
| Instrument Date | Dec 05, 2025 |
| Instrument | 2025149832 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2025 |
| Title Company | ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,290.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3820 FOREST CIR, SAINT CLOUD, FL 34772-7454 |
| Name | Verified Name |
|---|---|
| Address | 3820 FOREST CIR, SAINT CLOUD, FL 34772-7454 |
| Document Number | 0006890943 |
|---|---|
| Date | Dec 08, 2025 |
| Instrument | 6890/943 |
| Name | MORTGAGE EQUITY PARTNERS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3820 FOREST CIR, SAINT CLOUD, FL 34772-7454 |
| Document Number | 0052240572 |
| Book / Page | 005224 / 000572 |
| Instrument Date | Oct 06, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2017 |
| Name | Verified Name |
|---|---|
| Address | 3820 FOREST CIR ST CLOUD FL 347727454, ST CLOUD, FL 34772-7454 |
| Document Number | 0052240572 |
|---|---|
| Date | Oct 16, 2017 |
| Book Page | 005224/000572 |
| Instrument | 147648 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Oct 15, 2027 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,605.00 (+3.37%) Homeowner's exemption | $143,175 (+5.99%) | $290,400 (+7.72%) Land $50,000 Building $240,400 |
| 2024 | $2,520.00 (+2.98%) | ||
| 2023 | $2,447.00 (+13.92%) Homeowner's exemption | $135,088 (+3.84%) | $269,600 (+14.29%) Land $35,000 Building $234,600 |
| 2022 | $2,148.00 Homeowner's exemption | $130,092 | $235,900 Land $35,000 Building $200,900 |
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 |
| Wildfire Risk | Moderate above 54% of the US · above 25% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 699 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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