Osceola County property record for 3821 Opal Cir, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2004 |
| Square Footage | 1,728 sqft Living Area |
| Lot Size | 9,801 sqft (0.225 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $270,000 (2020) |
| Tax Bill | $3,732.00 (2024) |
| Primary APN | 26-26-30-0626-0001-0580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,728 sqft Living Area |
| Gross Area | 2,636 sqft Gross Area |
| 1st Floor | 1,728 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 1999 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Construction Type | Masonry/Concrete Masonry Units (CMUs) Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,801 sqft (0.225 acres) |
| Depth X Width | 130 ft x 75 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 456 sqft Garage |
| Porch Area | 452 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3821 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 58 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 1 |
| Legal Tract | 626 |
| Legal Block | 580 |
| Legal Lot Number | 58 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2010 |
| Census Tract | 43304 |
Source: Osceola County records · APN 26-26-30-0626-0001-0580
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 | 3821 OPAL CIR, SAINT CLOUD, FL 34772-7395 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 06, 2023 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Mar 17, 2022 | Deed of Trust, Mortgage · Line of Credit TOWER FCU |
| Jun 23, 2020 | Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI) NAVY FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 2020 · Amount on Record |
| Deed Sale | Jun 23, 2020 · Amount on Record |
| Prior Sale | Jul 28, 2016 · Amount on Record |
| Deed Doc Number | 202080734 |
| Deed Book / Page | 5742 / 1024 |
| Prior Transfer Date | Mar 04, 2016 |
| Prior Transfer Doc | 0049222743 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3821 OPAL CIR, SAINT CLOUD, FL 34772-7395 |
| Transaction Type | Mortgage |
| Record Updated | Jan 04, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3821 OPAL CIR, SAINT CLOUD, FL 34772-7395 |
| Document Number | 0065142265 |
|---|---|
| Date | Dec 06, 2023 |
| Book Page | 6514/2265 |
| Instrument | 2023158892 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Oct 25, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3821 OPAL CIR, SAINT CLOUD, FL 34772-7395 |
| Transaction Type | Mortgage |
| Record Updated | Apr 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3821 OPAL CIR, SAINT CLOUD, FL 34772-7395 |
| Document Number | 0061740318 |
|---|---|
| Date | Mar 17, 2022 |
| Book Page | 6174/318 |
| Instrument | 2022043100 |
| Name | TOWER FCU |
|---|---|
| Type | Credit Union |
| Address | LAUREL, MD 20707 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 25, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 23, 2020 |
| Property Address | 3821 OPAL CIR, SAINT CLOUD, FL 34772-7395 |
| Document Number | 0057421024 |
| Book / Page | 005742 / 001024 |
| Instrument Date | Jun 22, 2020 |
| Instrument | 80734 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2020 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,890.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3821 OPAL CIR ST CLOUD FL 347727395, ST CLOUD, FL 34772-7395 |
| Document Number | 57421025 |
|---|---|
| Date | Jun 23, 2020 |
| Book Page | 005742/001025 |
| Instrument | 80735 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 22, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $3,863.00 (+3.51%) Homeowner's exemption | $258,727 (+5.99%) | $350,100 (+9.1%) Land $75,000 Building $275,100 |
| 2024 | $3,732.00 (+2.61%) | ||
| 2023 | $3,637.00 (+3.59%) Homeowner's exemption | $244,113 (+3%) | $320,900 (+15.47%) Land $65,000 Building $255,900 |
| 2022 | $3,511.00 Homeowner's exemption | $237,003 | $277,900 Land $60,000 Building $217,900 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | Low above 35% of the US · above 10% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 2,041 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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