Osceola County property record for 3830 Opal Cir, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,233 sqft · built 2001 |
| Lot Size | 0.206 acres (8,973 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $235,000 (Apr 2014) |
| Tax Bill | $3,482 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Construction Loan Feb 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0626-0001-0360 |
| Primary APN | 26-26-30-0626-0001-0360 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,233 sqft Living Area |
| Gross Area | 2,976 sqft |
| 1st Floor Area | 2,233 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,973 sqft (0.206 acres) |
| Lot Dimensions | 117 ft deep x 75 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 36 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 263 sqft |
| Deck Area | 745 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3830 OPAL CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7394 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SAWGRASS UNIT 1 PB 10 PG 140-141 LOT 36 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | SAWGRASS UNIT 1 |
| Legal Tract | 626 |
| Legal Block | 360 |
| Legal Lot Number | 36 |
| Legal Unit | 1P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 43304 |
Source: Osceola County records · APN 26-26-30-0626-0001-0360
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 | 3830 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 24, 2026 | Warranty Deed, Transfer · Construction Mortgage OAKTREE FUNDING CORPORATION |
| Feb 23, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage UNITED FINANCE INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 02, 2014 · Amount on Record |
| Deed Sale | Apr 02, 2014 · Amount on Record |
| Prior Sale | Jan 06, 2010 · Amount on Record |
| Deed Document Number | 201446110 |
| Deed Book / Page | 4590 / 997 |
| Last Transfer Date | Feb 17, 2021 |
| Transfer Doc | 0058962400 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 24, 2026 |
| Property Address | 3830 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0000096785 |
| Book / Page | 7009 / 8 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 202696785 |
| Transaction Type | Transfer |
| Record Updated | Aug 05, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $307,545.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Address | 3830 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0000096786, |
|---|---|
| Date | Jul 24, 2026 |
| Instrument | 202696786 |
| Name | OAKTREE FUNDING CORPORATION |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Aug 01, 2027 |
| Rate Type | Balloon |
|---|---|
| Rate | 6.52% |
| Initial Type | Balloon |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 23, 2021 |
| Property Address | 3830 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0058962400 |
| Book / Page | 5896 / 2400 |
| Map Reference | MB 10 PG 140&141 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021026109 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | MORTGAGE CONNECT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3830 OPAL CIR, SAINT CLOUD, FL 34772-7394 |
| Document Number | 0058962401 |
|---|---|
| Date | Feb 23, 2021 |
| Instrument | 5896/2401 |
| Name | UNITED FINANCE INC |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
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 | $3,482.00 (+3.54%) Homeowner's exemption | $237,424 (+5.99%) | $412,300 (+9.13%) Land $75,000 Building $337,300 |
| 2024 | $3,363.00 (+2.69%) | ||
| 2023 | $3,275.00 (+3.64%) Homeowner's exemption | $224,013 (+3%) | $377,800 (+14.83%) Land $65,000 Building $312,800 |
| 2022 | $3,160.00 Homeowner's exemption | $217,489 | $329,000 Land $60,000 Building $269,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 36 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 36 in force |
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 340 locations within about half a mile of this property
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