3827 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3827 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,988 sqft · built 2008
Lot Size	0.259 acres (11,282 sqft)
Owner	Company Name on File
Last Sale	$371,377 (Apr 2026)
Tax Bill	$5,328 (2025)
Deeds & Mortgages	Apr 2026 Foreclosure Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0056-0001-1290`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0056-0001-1290`
Alternative APNs	`263034005600011290` `139292`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,988 sqft Living Area
Gross Area	2,767 sqft
1st Floor Area	1,988 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,282 sqft (0.259 acres)
Garage Type	Attached
Garage Area	620 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3827 SPIRITED CIR
City	SAINT CLOUD
State	FL
Zip	34772-8240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 1 PB 18 PG 92-100 LOT 129
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 1
Legal Phase	1
Legal Tract	56
Legal Block	1290
Legal Lot Number	129
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	43207

Owner

3827 Spirited Cir is owned by a company that bought it in April 2026 and is owner-occupied.

Source: Osceola County records, as of October 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Company Name on File
Mailing Address	8200 JONES BRANCH DR, MC LEAN, VA 22102-3107
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 1, 2026	Deed in Lieu of Foreclosure, Foreclosure SERVICELINK
Dec 2, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 29, 2017	Warranty Deed, Transfer · Conventional with PMI VYSTAR CU
Dec 29, 2017	Warranty Deed, Transfer SUNBELT TITLE (AGENCY)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Dec 2, 2022 · Amount on File
Deed Document Number	202644055
Deed Book / Page	6948 / 1872
Prior Transfer Date	Feb 26, 2026
Prior Transfer Doc	0000044055
Record Updated	Oct 29, 2026

April 2026: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	OSCEOLA FL
Recording Date	Apr 1, 2026
Property Address	3827 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0000044055
Book / Page	6948 / 1872
Instrument Date	Feb 26, 2026
Instrument	202644055
Transaction Type	Foreclosure
Record Updated	Aug 27, 2026
Title Company	SERVICELINK

Transaction

Amount	Amount on Record
Tax	$262,563.64
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8200 JONES BRANCH DR, MCLEAN, VA 22102-3107
Investor	Possibly a Property Investor

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2022
Property Address	3827 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0063240379
Book / Page	6324 / 379
Map Reference	MB 18 PG 92-100
Instrument Date	Nov 29, 2022
Instrument	2022173954
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3827 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3827 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Mortgage

Document Number	0006324381
Date	Dec 2, 2022
Instrument	6324/381

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2017
Property Address	3827 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0052611662
Book / Page	005261 / 001662
Instrument Date	Dec 22, 2017
Instrument	185358
Transaction Type	Transfer
Record Updated	Feb 6, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3827 SPIRITED CIR ST CLOUD FL 347728240, ST CLOUD, FL 34772-8240

Mortgage

Document Number	52611665
Date	Dec 29, 2017
Book Page	005261/001665
Instrument	185359

Lender

Name	VYSTAR CU
Type	Credit Union
Address	JACKSONVILLE, FL 32232-5085

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Dec 28, 2047

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2017
Property Address	3827 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0052611658
Book / Page	005261 / 001658
Instrument Date	Oct 6, 2017
Instrument	185357
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	SUNBELT TITLE (AGENCY)

Transaction

Amount	Amount on Record
Tax	$1,680.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	40 APPLE RIDGE RD DANBURY CT 068107301, DANBURY, CT 06810-7301
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 3827 Spirited Cir was $5,328 with a homeowner's exemption, up 2.9% from the year before.

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,328.00 (+2.92%) Homeowner's exemption	$340,600 Land $75,000 Building $265,600	$340,600 Land $75,000 Building $265,600
2024	$5,177.00 (-3.84%)
2023	$5,384.00 (+90.31%) Homeowner's exemption	$341,100 (+71.3%) Land $60,000 Building $281,100	$341,100 (+16.02%) Land $60,000 Building $281,100
2022	$2,829.00 Homeowner's exemption	$199,129	$294,000 Land $55,000 Building $239,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 3827 Spirited Cir in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 66 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	66 in force
Nearby Flood Claims	2 (2017–2024)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Oct 2024 · Hurricane Milton

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3827 Spirited Cir is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 51% of the US · lower than 78% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · Fixed Wireless	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

Nearby Properties on Spirited Cir

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures