3844 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3844 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 2010
Lot Size	0.173 acres (7,535 sqft)
Owner	2 Individual Names on File
Last Sale	$132,332 (Oct 2010)
Tax Bill	$1,844 (2025)
Deeds & Mortgages	Nov 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0056-0001-0920`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0056-0001-0920`
Alternative APNs	`263034005600010920` `139255`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,510 sqft Living Area
Gross Area	1,978 sqft
1st Floor Area	1,510 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,535 sqft (0.173 acres)
Lot Dimensions	116 ft deep x 65 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	48 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3844 SPIRITED CIR
City	SAINT CLOUD
State	FL
Zip	34772-8241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SPUD
Legal Description	ESPRIT PHASE 1 PB 18 PG 92-100 LOT 92
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 1
Legal Phase	1
Legal Tract	56
Legal Block	1
Legal Lot Number	92
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

3844 Spirited Cir is owned and occupied by two individuals who acquired it in November 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	3844 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2010 · Amount on File
Deed Sale	Oct 14, 2010 · Amount on File
Deed Document Number	2010155057
Deed Book / Page	4048 / 25
Last Transfer Date	Nov 15, 2019
Transfer Doc	0056280370
Record Updated	Jun 8, 2026

November 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 21, 2019
Property Address	3844 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0056280370
Book / Page	5628 / 0370
Map Reference	MB 18 PG 92-100
Instrument Date	Nov 15, 2019
Instrument	2019152114
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	3844 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0005628374
Date	Nov 21, 2019
Instrument	5628/374

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 3844 Spirited Cir was $1,844 with a homeowner's exemption, up 3.9% 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	$1,844.00 (+3.89%) Homeowner's exemption	$145,902	$292,300 Land $75,000 Building $217,300
2024	$1,775.00 (+3.2%)
2023	$1,720.00 (+4.31%) Homeowner's exemption	$137,662 (+3%)	$289,500 (+15.85%) Land $60,000 Building $229,500
2022	$1,649.00 Homeowner's exemption	$133,653	$249,900 Land $55,000 Building $194,900

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

Flood

FEMA maps place 3844 Spirited Cir in Zone X, an area of minimal flood risk, within 500 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 500 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 3844 Spirited Cir is moderate, ranking above 50% 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 50% of the US · lower than 79% 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.

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