3862 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3862 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,774 sqft · built 2006
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Last Sale	$294,500 (Oct 2019)
Tax Bill	$3,920 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Aug 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0056-0001-0830`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0056-0001-0830`
Alternative APNs	`263034005600010830` `139246`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,774 sqft Living Area
Gross Area	3,345 sqft
1st Floor Area	1,174 sqft
Upper Floors Area	1,600 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	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	165 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3862 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 83
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	83
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

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

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 Record
Mailing Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2024	Deed of Trust, Mortgage · FHA Mortgage REM CORPORATION
Aug 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage REGIONS BANK
Sep 16, 2020	Deed of Trust, Mortgage · FHA Mortgage BROKER SOLUTIONS INC
Oct 28, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2019 · Amount on Record
Deed Sale	Oct 28, 2019 · Amount on Record
Prior Sale	Jul 16, 2012 · Amount on Record
Deed Document Number	2019139626
Deed Book / Page	5613 / 1266
Transfer Doc	0046882027
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	May 14, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0065800691
Date	Apr 10, 2024
Book Page	6580/691
Instrument	2024045959

Lender

Name	REM CORPORATION
Type	Non-Lending Institution
Address	PO BOX 970, DOWNERS GROVE, IL 60515

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jan 1, 2054

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0062740363
Date	Aug 24, 2022
Book Page	6274/363
Instrument	2022129477

Lender

Name	REGIONS BANK
Type	Bank
Address	BIRMINGHAM, AL 35244

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3862 SPLRITED CIRCLE, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0057942366
Date	Sep 16, 2020
Book Page	5794/2366
Instrument	2020123979

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 28, 2019
Property Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0056131266
Book / Page	5613 / 1266
Map Reference	MB 18 PG 92
Instrument Date	Jun 3, 2019
Instrument	2019139626
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,061.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3228 WHITNEY AVE APT 701, 3228, HAMDEN, CT 06518-2145

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3862 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0056131268
Date	Oct 28, 2019
Instrument	5613/1268

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

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	$3,920.00 (+3.51%) Homeowner's exemption	$261,891 (+5.99%)	$364,400 (-5.13%) Land $75,000 Building $289,400
2024	$3,787.00 (+2.6%)
2023	$3,691.00 (+3.56%) Homeowner's exemption	$247,099 (+3%)	$384,100 (+16.08%) Land $60,000 Building $324,100
2022	$3,564.00 Homeowner's exemption	$239,902	$330,900 Land $55,000 Building $275,900

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

Flood

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 Record 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

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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