3870 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3870 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	0.205 acres (8,973 sqft)
Owner	Individual Name on File
Last Sale	$229,000 (Jul 2018)
Tax Bill	$3,114 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Aug 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`139242`

Property Details

APN / Parcel Number

Primary APN	`139242`
Alternative APN	`342630005600010790`

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	8,973 sqft (0.205 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	92 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139242
Street Address	3870 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 79
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	1
Legal Tract	56
Legal Block	1
Legal Lot Number	79
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

3870 Spirited Cir is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3870 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

Date	Document
Apr 23, 2020	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Aug 1, 2019	Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC
Jul 2, 2018	Warranty Deed, Transfer · FHA Mortgage SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 2, 2018 · Amount on File
Deed Sale	Jul 2, 2018 · Amount on File
Prior Sale	Nov 30, 2010 · Amount on File
Deed Document Number	2018101453
Deed Book / Page	5360 / 1042
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3870 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057121615
Date	Apr 23, 2020
Book Page	5712/1615
Instrument	2020055715

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

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

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3870 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	Jun 24, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055662884
Date	Aug 1, 2019
Book Page	5566/2884
Instrument	2019099605

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2049

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 2, 2018
Property Address	3870 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0053601042
Book / Page	5360 / 1042
Map Reference	MB18 PG92-100
Instrument Date	Jun 28, 2018
Instrument	2018101453
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE TITLE & ESCRO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,603.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 788, SARATOGA, WY 82331-0788

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3870 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	2018101454
Date	Jul 2, 2018
Instrument	2018101454

Lender

Name	SECURITY NATIONAL MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3870 Spirited Cir was $3,114 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	$3,114.00 Homeowner's exemption	$216,899	$323,000 Land $75,000 Building $248,000
2023	$2,926.00 (+5.4%) Homeowner's exemption	$204,648 (+4.32%)	$322,600 (+17.01%) Land $60,000 Building $262,600
2022	$2,776.00 Homeowner's exemption	$196,164	$275,700 Land $55,000 Building $220,700

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

Flood

FEMA maps place 3870 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 3870 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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