3855 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3855 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,938 sqft · built 2006
Lot Size	0.173 acres (7,536 sqft)
Owner	Individual Name on File
Last Sale	$421,000 (Feb 2022)
Tax Bill	$5,432 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139284`

Property Details

APN / Parcel Number

Primary APN	`139284`
Alternative APN	`342630005600011210`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,938 sqft Heated Area
Gross Area	2,450 sqft
1st Floor Area	1,938 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,536 sqft (0.173 acres)
Lot Dimensions	116 ft deep x 65 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	92 sqft
Deck Area	450 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139284
Street Address	3855 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 121
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	1
Legal Tract	56
Legal Block	1
Legal Lot Number	121
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	43207

Owner

3855 Spirited Cir is owned and occupied by an individual who bought it in February 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3855 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
Feb 2, 2022	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 27, 2020	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 2, 2022 · Amount on File
Deed Sale	Feb 2, 2022 · Amount on File
Prior Sale	Apr 27, 2020 · Amount on File
Deed Document Number	2022017552
Deed Book / Page	6141 / 2629
Record Updated	Jun 8, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 2, 2022
Property Address	3855 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0061412629
Book / Page	6141 / 2629
Map Reference	MB 18 PG 92-100
Instrument Date	Jan 28, 2022
Instrument	2022017552
Transaction Type	Transfer
Record Updated	Feb 16, 2022
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,947.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3855 SPIRITED CIR, 3855, SAINT CLOUD, FL 34772-8240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Mortgage

Document Number	0061412631
Date	Feb 2, 2022
Instrument	6141/2631

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2020
Property Address	3855 SPIRITED CIR, SAINT CLOUD, FL 34772-8240
Document Number	0057132980
Book / Page	5713 / 2980
Map Reference	MB 18 PG 92-100
Instrument	2020056996
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5441 PITCH PINE DR, 5441, ORLANDO, FL 32819-7144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3855 SPIRITED CIR, SAINT CLOUD, FL 34772-8240

Mortgage

Document Number	0057132982
Date	Apr 27, 2020
Instrument	5713/2982

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 3855 Spirited Cir was $5,432 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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	$5,432.00 Homeowner's exemption	$346,400 Land $75,000 Building $271,400	$346,400 Land $75,000 Building $271,400
2023	$5,440.00 (+60.24%) Homeowner's exemption	$344,200 (+49.32%) Land $60,000 Building $284,200	$344,200 (+14.85%) Land $60,000 Building $284,200
2022	$3,395.00 Homeowner's exemption	$230,514	$299,700 Land $55,000 Building $244,700

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

Flood

FEMA maps place 3855 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 3855 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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