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3826 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3826 Opal Cir, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 1999
Square Footage2,118 sqft Living Area
Lot Size12,850 sqft (0.295 acres)
OccupancyOwner Occupied
Last Sale$162,000 (1999)
Tax Bill$2,321.00 (2024)

Property Details

APN / Parcel Number

Primary APN26-26-30-0626-0001-0380
Alternative APNs
  • 263026062600010380
  • 88062

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,118 sqft Living Area
Gross Area3,078 sqft Gross Area
1st Floor2,118 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 1999
Exterior MaterialConcrete Block Exterior
Construction TypeMasonry/Concrete Masonry Units (CMUs) Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area12,850 sqft (0.295 acres)
Depth X Width130 ft x 100 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area504 sqft Garage

Exterior Amenities

Pool TypeIn-Ground Pool Pool Type
Pool Area450 sqft Pool
Shed1 Shed
Shed Area240 sqft Shed
Deck Area450 sqft Deck
Porch Area455 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address3826 OPAL CIR
CitySAINT CLOUD
StateFL
Zip34772-7394
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSAWGRASS UNIT 1 PB 10 PGS 140-141 LOT 38
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionSAWGRASS UNIT 1
Legal Tract626
Legal Block380
Legal Lot Number38
Legal Unit1P
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2006
Census Tract43304

Owner

Source: Osceola County records · APN 26-26-30-0626-0001-0380

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 Record2 Individual Names on File
Mailing Address3826 OPAL CIR, SAINT CLOUD, FL 34772-7394
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity
VestingLife Estate

Deeds, Mortgages & Sale History

DateDocument
Apr 18, 2022Intrafamily Transfer, Transfer
ACCOMMODATION
May 18, 2021Deed of Trust, Mortgage · Veterans Administration Mortgage
CTC MORTGAGE COMPANY LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 29, 1999 · Amount on Record
Deed SaleSep 29, 1999 · Amount on Record
Prior SaleMay 24, 1999 · Amount on Record
Deed Book / Page1659 / 850
Last Transfer DateApr 04, 2022
Transfer Doc0061941683
Record RefreshedJun 08, 2026

April 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateApr 18, 2022
Property Address3826 OPAL CIR, SAINT CLOUD, FL 34772-7394
Document Number0061941683
Book / Page6194 / 1683
Map ReferenceMB 10 PG 140&141
Instrument DateApr 04, 2022
Instrument2022059809
Transaction TypeTransfer
Record UpdatedJun 07, 2023
Title CompanyACCOMMODATION

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3826 OPAL CIR, SAINT CLOUD, FL 34772-7394

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3826 OPAL CIR, SAINT CLOUD, FL 34772-7394
Transaction TypeMortgage
Record UpdatedJun 02, 2021
Title CompanyCENTURION TITLE GROUP INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3826 OPAL CIR, SAINT CLOUD, FL 34772-7394

Mortgage

Document Number0059602899
DateMay 18, 2021
Book Page5960/2899
Instrument2021076531
Lender
NameCTC MORTGAGE COMPANY LLC
TypeMortgage Company
AddressPALM BEACH GARDENS, FL 33418
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,410.00 (+3.83%) Homeowner's exemption Veteran's exemption$182,520 (+5.99%)$399,200 (+9.01%) Land $75,000 Building $324,200
2024$2,321.00 (+3.06%)
2023$2,252.00 (+4.11%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$172,211 (+3%)$366,200 (+14.9%) Land $65,000 Building $301,200
2022$2,163.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$167,196$318,700 Land $60,000 Building $258,700

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 ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskLow
above 35% of the US · above 10% of Florida
Wildfire LikelihoodAbout 1 in 2,041 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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