3843 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3843 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,500 sqft · built 2006
Lot Size	0.186 acres (8,102 sqft)
Owner	2 Individual Names on File
Last Sale	$345,000 (Aug 2020)
Tax Bill	$7,739 (2025)
Deeds & Mortgages	Jul 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0056-0001-1270`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0056-0001-1270`
Alternative APNs	`263034005600011270` `139290`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,500 sqft Living Area
Gross Area	4,058 sqft
1st Floor Area	1,630 sqft
Upper Floors Area	1,870 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,102 sqft (0.186 acres)
Lot Dimensions	116 ft deep x 70 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	546 sqft
Porch	Finished/Open Porch
Porch Area	158 sqft
Deck Area	654 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3843 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 127
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 1
Legal Phase	1
Legal Tract	56
Legal Block	1270
Legal Lot Number	127
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	43207

Owner

3843 Spirited Cir is owned and occupied by two individuals who bought it in August 2020.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage KELLER MORTGAGE LLC
Aug 10, 2020	Warranty Deed, Transfer · Conventional Mortgage COLUMBUS CAPITAL LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2020 · Amount on File
Deed Sale	Aug 10, 2020 · Amount on File
Prior Sale	Nov 7, 2006 · Amount on File
Deed Document Number	2020104860
Deed Book / Page	5771 / 1554
Prior Transfer Date	May 24, 2010
Prior Transfer Doc	0039911105
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Transaction Type	Mortgage
Record Updated	Aug 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Mortgage

Document Number	0062591042
Date	Jul 28, 2022
Book Page	6259/1042
Instrument	2022115912

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	480 Months
Due	Jul 5, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Transaction Type	Mortgage
Record Updated	Mar 17, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Mortgage

Document Number	0058911869
Date	Feb 16, 2021
Book Page	5891/1869
Instrument	2021021880

Lender

Name	KELLER MORTGAGE LLC
Type	Mortgage Company
Address	DUBLIN, OH 43016

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2051

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2020
Property Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0057711554
Book / Page	5771 / 1554
Map Reference	MB 18 PG 92
Instrument Date	Aug 3, 2020
Instrument	2020104860
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	IMPERIUM TITLE & ESCROW LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,415.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7631 SW 147TH CT, 7631, MIAMI, FL 33193-1112

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3843 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Mortgage

Document Number	0057711561
Date	Aug 10, 2020
Instrument	5771/1561

Lender

Name	COLUMBUS CAPITAL LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 3843 Spirited Cir was $7,739 with a homeowner's exemption, down 7.1% 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	$7,739.00 (-7.13%) Homeowner's exemption	$475,300 Land $78,800 Building $396,500	$475,300 Land $78,800 Building $396,500
2024	$8,333.00 (+8.42%)
2023	$7,686.00 (+11.5%)	$500,900 (+14.57%) Land $63,000 Building $437,900	$500,900 (+14.57%) Land $63,000 Building $437,900
2022	$6,893.00	$437,200 Land $57,800 Building $379,400	$437,200 Land $57,800 Building $379,400

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

Flood

FEMA maps place 3843 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 3843 Spirited Cir is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct burnable vegetation

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.

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