3872 Blackberry Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3872 Blackberry Cir, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,757 sqft · built 1997
Lot Size	0.175 acres (7,623 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Aug 2020)
Tax Bill	$3,215 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-25-30-0016-0001-1700`

Property Details

APN / Parcel Number

Primary APN	`33-25-30-0016-0001-1700`
Alternative APNs	`253033001600011700` `76230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,757 sqft Living Area
Gross Area	2,468 sqft
1st Floor Area	1,757 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,623 sqft (0.175 acres)
Lot Dimensions	106 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	225 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3872 BLACKBERRY CIR
City	SAINT CLOUD
State	FL
Zip	34769-1428
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR2
Legal Description	BLACKBERRY CREEK UNIT FOUR PB 8 PG 163-164 LOT 170
Legal Range	30E
Legal Township	25S
Legal Section	33
Legal Subdivision	BLACKBERRY CREEK UNIT 4
Legal Tract	16
Legal Block	1700
Legal Lot Number	170
Legal Unit	FO
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43203

Owner

3872 Blackberry Cir is owned and occupied by two individuals who bought it in August 2020.

Source: Osceola County records, as of September 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428
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
Aug 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage POLICE AND FIRE FEDERAL CREDIT UNION
Aug 19, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on File
Deed Sale	Aug 31, 2020 · Amount on File
Prior Sale	Nov 20, 2006 · Amount on File
Deed Document Number	2020114640
Deed Book / Page	5783 / 1835
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 25, 2026
Property Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428
Document Number	0000110754
Book / Page	7024 / 2972
Instrument Date	Aug 6, 2026
Instrument	2026110754
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428

Mortgage

Document Number	0000110754,
Date	Aug 25, 2026
Book Page	7024/2972
Instrument	2026110754

Lender

Name	POLICE AND FIRE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 1, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428

Mortgage

Document Number	0062720918
Date	Aug 19, 2022
Book Page	6272/918
Instrument	2022127840

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Aug 6, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 31, 2020
Property Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428
Document Number	0057831835
Book / Page	5783 / 1835
Map Reference	MB 8 PG 163&164
Instrument Date	Aug 28, 2020
Instrument	2020114640
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	GOLDEN KEY TITLE SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,575.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3872 BLACKBERRY CIR, 3872, SAINT CLOUD, FL 34769-1428

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3872 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1428

Mortgage

Document Number	0057831837
Date	Aug 31, 2020
Instrument	5783/1837

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2030

Tax Assessment & Valuation

The 2025 property tax bill for 3872 Blackberry Cir was $3,215 with a homeowner's exemption.

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	$3,215.00 Homeowner's exemption	$222,521	$330,600 Land $70,000 Building $260,600
2023	$3,022.00 (+3.71%) Homeowner's exemption	$209,952 (+3%)	$306,300 (+27.15%) Land $60,000 Building $246,300
2022	$2,914.00 Homeowner's exemption	$203,837	$240,900 Land $45,000 Building $195,900

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

Flood

FEMA maps place 3872 Blackberry 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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 15 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	15 in force
Nearby Flood Claims	1 (2017)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2017 · Hurricane Irma

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 3872 Blackberry Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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 308 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: AT&T, Verizon.

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