3822 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3822 Opal Cir, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 2006
Square Footage	1,936 sqft Heated Area
Lot Size	8,799 sqft (0.201 acres)
Occupancy	Owner Occupied
Last Sale	$245,000 (2016)
Tax Bill	$2,505.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`88064`
Alternative APN	`262630062600010400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,936 sqft Heated Area
Gross Area	2,827 sqft Gross Area
1st Floor	1,935 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2006
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	8,799 sqft (0.201 acres)
Depth X Width	116 ft x 72 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	483 sqft Garage

Exterior Amenities

Pool Area	338 sqft Pool
Deck Area	365 sqft Deck
Porch	Open Porch
Porch Area	407 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	88064
Street Address	3822 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 40
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 1
Legal Tract	626
Legal Block	1
Legal Lot Number	40
Legal Unit	1P
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	2
Census Block	2006
Census Tract	43304

Owner

Source: Osceola County records · APN 88064

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	3822 OPAL CIR, SAINT CLOUD, FL 34772-7394
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	Jul 06, 2016 · Amount on Record
Deed Sale	Jul 06, 2016 · Amount on Record
Prior Sale	Jun 26, 2009 · Amount on Record
Deed Doc Number	2016102962
Deed Book / Page	4988 / 0235
Record Refreshed	Jun 08, 2026

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3822 OPAL CIR, SAINT CLOUD, FL 34772-7394
Transaction Type	Mortgage
Record Updated	Jun 22, 2021
Title Company	MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0053730185
Date	Jul 25, 2018
Book Page	5373/0185
Instrument	2018113390

Lender

Name	CENTRAL FLORIDA EDUCATORS FCU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

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	$2,505.00 (+6.69%) Homeowner's exemption	$182,861 (+5.99%)	$369,400 (+4.65%) Land $75,000 Building $294,400
2023	$2,348.00 (+3.94%) Homeowner's exemption	$172,533 (+3%)	$353,000 (+15.28%) Land $65,000 Building $288,000
2022	$2,259.00 Homeowner's exemption	$167,508	$306,200 Land $60,000 Building $246,200

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 500 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.