3828 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3828 Opal Cir, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2 Baths
Year Built	Built 2001
Square Footage	2,069 sqft Heated Area
Lot Size	9,496 sqft (0.217 acres)
Occupancy	Owner Occupied
Last Sale	$240,000 (2004)
Tax Bill	$4.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`88061`
Alternative APN	`262630062600010370`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,069 sqft Heated Area
Gross Area	2,833 sqft Gross Area
1st Floor	2,069 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2001
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	9,496 sqft (0.217 acres)
Depth X Width	119 ft x 75 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	442 sqft Garage

Exterior Amenities

Pool Area	288 sqft Pool
Fence	Fence
Deck Area	504 sqft Deck
Porch	Open Porch
Porch Area	322 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	88061
Street Address	3828 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 37
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 1
Legal Tract	626
Legal Block	1
Legal Lot Number	37
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 88061

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	2 Owner Names on File
Mailing Address	3828 OPAL CIR, SAINT CLOUD, FL 34772-7394
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 10, 2004 · Amount on Record
Deed Sale	Sep 10, 2004 · Amount on Record
Prior Sale	Nov 21, 2001 · Amount on Record
Deed Doc Number	2004177978
Deed Book / Page	2592 / 2853
Record Refreshed	Jun 08, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3828 OPAL CIR, SAINT CLOUD, FL 34772-7394
Document Number	0057190677
Instrument Date	May 01, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3828 OPAL CIR ST CLOUD FL 347727394, ST CLOUD, FL 34772-7394

Mortgage

Document Number	0057190677
Date	May 07, 2020
Book Page	005719/000677
Instrument	61442

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	Veterans Administration Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 06, 2050

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$163,392 (+5.99%)	$381,900 (+9.18%) Land $75,000 Building $306,900
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$154,164 (+3%)	$349,800 (+15.18%) Land $65,000 Building $284,800
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$149,674	$303,700 Land $60,000 Building $243,700

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 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 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.