3832 Opal Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3832 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 2000
Square Footage	2,171 sqft Heated Area
Lot Size	12,197 sqft (0.28 acres)
Occupancy	Owner Occupied
Last Sale	$24,500 (2000)
Tax Bill	$2,351.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`88059`
Alternative APN	`262630062600010350`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	2,171 sqft Heated Area
Gross Area	2,711 sqft Gross Area
1st Floor	1,950 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2000
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	12,197 sqft (0.28 acres)
Depth X Width	117 ft x 100 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	504 sqft Garage

Exterior Amenities

Pool Area	374 sqft Pool
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft Shed
Deck Area	463 sqft Deck
Porch	Enclosed Porch
Porch Area	257 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	88059
Street Address	3832 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 35
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	SAWGRASS UNIT 1
Legal Tract	626
Legal Block	1
Legal Lot Number	35
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 88059

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	3832 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	Feb 03, 2000 · Amount on Record
Deed Sale	Feb 03, 2000 · Amount on Record
Deed Doc Number	0169800828
Deed Book / Page	01698 / 00828
Record Refreshed	Jun 08, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3832 OPAL CIR, SAINT CLOUD, FL 34772-7394
Document Number	0055741315
Instrument Date	Aug 07, 2019
Transaction Type	Mortgage
Record Updated	Aug 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	3832 OPAL CIR ST CLOUD FL 347727394, ST CLOUD, FL 34772-7394

Mortgage

Document Number	0055741315
Date	Aug 15, 2019
Book Page	005574/001315
Instrument	106008

Lender

Name	EQUITY RSRCS
Type	Funding / Finance Company
Address	NEWARK, OH 43055

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 14, 2049

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	$2,351.00 (+6.77%) Homeowner's exemption	$174,249 (+5.99%)	$384,300 (+8.87%) Land $75,000 Building $309,300
2023	$2,202.00 (+4.02%) Homeowner's exemption	$164,407 (+3%)	$353,000 (+14.87%) Land $65,000 Building $288,000
2022	$2,117.00 Homeowner's exemption	$159,619	$307,300 Land $60,000 Building $247,300

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.