3876 Spirited Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3876 Spirited Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,028 sqft · built 2007
Lot Size	0.178 acres (7,753 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2025)
Tax Bill	$6,026 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Jun 2023 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0056-0001-0760`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0056-0001-0760`
Alternative APNs	`263034005600010760` `139239`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,028 sqft Living Area
Gross Area	2,607 sqft
1st Floor Area	2,028 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,753 sqft (0.178 acres)
Lot Dimensions	116 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	159 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3876 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 76
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 1
Legal Phase	1
Legal Tract	56
Legal Block	760
Legal Lot Number	76
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

3876 Spirited Cir is owned by two individuals who acquired it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	805 POPLARWOOD LN, KISSIMMEE, FL 34743-8817
Owner Type	Individual
Vesting	Joint Tenants

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
Mar 12, 2021	Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC
Jun 23, 2023	Intrafamily Transfer, Transfer REALTECH TITLE LLC
Mar 4, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Apr 25, 2017	Warranty Deed, Transfer STEWART TITLE
Apr 25, 2017	Warranty Deed, Transfer STEWART TITLE
Apr 25, 2017	Warranty Deed, Transfer STEWART TITLE
Apr 25, 2017	Warranty Deed, Transfer STEWART TITLE
Apr 25, 2017	Warranty Deed, Transfer STEWART TITLE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 10, 2025 · Amount on File
Deed Sale	Mar 10, 2025 · Amount on File
Prior Sale	Jun 22, 2022 · Amount on File
Deed Document Number	202529462
Deed Book / Page	6751 / 1432
Last Transfer Date	May 2, 2025
Transfer Doc	0067820951
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241

Mortgage

Document Number	0059102525
Date	Mar 12, 2021
Book Page	5910/2525
Instrument	2021037079

Lender

Name	RP FUNDING INC
Type	Mortgage Company
Address	LAKE MARY, FL 32746

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jun 23, 2023
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0064300138
Book / Page	6430 / 138
Map Reference	MB 18 PG 92
Instrument Date	Mar 21, 2023
Instrument	2023081603
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	REALTECH TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	120 S RIVERSIDE PLZ, CHICAGO, IL 60606-3913

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 S RIVERSIDE PLZ, CHICAGO, IL 60606-3913

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2022
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0061641484
Book / Page	6164 / 1484
Map Reference	MB 18 PG 92-100
Instrument Date	Feb 28, 2022
Instrument	2022035444
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Tax	$2,636.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10443 HEUN DRIVE, WEST PALM BEACH, FL 33405

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2017
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0051371447
Book / Page	005137 / 001447
Instrument Date	Apr 21, 2017
Instrument	61234
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32335 HIDDEN ACRE DR FRANKFORD DE 199453115, FRANKFORD, DE 19945-3115

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2017
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0051371446
Book / Page	005137 / 001446
Instrument Date	Apr 21, 2017
Instrument	61233
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32335 HIDDEN ACRE DR FRANKFORD DE 199453115, FRANKFORD, DE 19945-3115

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2017
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0051371445
Book / Page	005137 / 001445
Instrument Date	Apr 21, 2017
Instrument	61232
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	STEWART TITLE

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32335 HIDDEN ACRE DR FRANKFORD DE 199453115, FRANKFORD, DE 19945-3115

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2017
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0051371444
Book / Page	005137 / 001444
Instrument Date	Apr 21, 2017
Instrument	61231
Transaction Type	Transfer
Record Updated	May 26, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount on Record
Tax	$1,575.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	32335 HIDDEN ACRE DR FRANKFORD DE 199453115, FRANKFORD, DE 19945-3115

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2017
Property Address	3876 SPIRITED CIR, SAINT CLOUD, FL 34772-8241
Document Number	0051371448
Book / Page	5137 / 1448
Map Reference	MB18 PG92-100
Instrument Date	Apr 21, 2017
Instrument	2017061235
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	119 CLARKSVILLE CT, 119, MACON, GA 31210-9007

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	32335 HIDDEN ACRE DR, FRANKFORD, DE 19945-3115

Tax Assessment & Valuation

The 2025 property tax bill for 3876 Spirited Cir was $6,026, up 2.8% 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	$6,026.00 (+2.78%)	$336,500 Land $75,000 Building $261,500	$336,500 Land $75,000 Building $261,500
2024	$5,863.00 (-3.28%)
2023	$6,062.00 (+123.94%)	$336,400 (+74.86%) Land $60,000 Building $276,400	$336,400 (+15.96%) Land $60,000 Building $276,400
2022	$2,707.00 Homeowner's exemption	$192,379	$290,100 Land $55,000 Building $235,100

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

Flood

FEMA maps place 3876 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 3876 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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