3923 Blackberry Cir, Saint Cloud, FL 34769 Property Records

Osceola County property record for 3923 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	0.174 acres (7,579 sqft)
Owner	2 Individual Names on File
Last Sale	$243,500 (Sep 2019)
Tax Bill	$3,499 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Sep 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`33-25-30-0016-0001-1460`

Property Details

APN / Parcel Number

Primary APN	`33-25-30-0016-0001-1460`
Alternative APNs	`253033001600011460` `76206`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,757 sqft Living Area
Gross Area	2,372 sqft
1st Floor Area	1,757 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,579 sqft (0.174 acres)
Lot Dimensions	105 ft deep x 72 ft wide
Garage Type	Attached
Garage Area	486 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	129 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3923 BLACKBERRY CIR
City	SAINT CLOUD
State	FL
Zip	34769-1425
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 146
Legal Range	30E
Legal Township	25S
Legal Section	33
Legal Subdivision	BLACKBERRY CREEK UNIT 4
Legal Tract	16
Legal Block	1460
Legal Lot Number	146
Legal Unit	FO
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	43203

Owner

3923 Blackberry Cir is owned and occupied by two individuals who bought it in September 2019.

Source: Osceola County records, as of May 1, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3923 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1425
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
Oct 16, 2020	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 6, 2019	Warranty Deed, Transfer · FHA Mortgage NMB HM LNS INC
Sep 4, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK WEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	Jul 21, 2016 · Amount on File
Deed Document Number	2019114821
Deed Book / Page	5584 / 2195
Record Updated	Oct 29, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3923 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1425
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1425

Mortgage

Document Number	0058140011
Date	Oct 16, 2020
Book Page	5814/11
Instrument	2020139941

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 6, 2019
Property Address	3923 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1425
Document Number	0055842195
Book / Page	005584 / 002195
Instrument Date	Aug 30, 2019
Instrument	114821
Transaction Type	Transfer
Record Updated	Sep 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,704.50
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3923 BLACKBERRY CIR ST CLOUD FL 347691425, ST CLOUD, FL 34769-1425

Mortgage

Document Number	55842197
Date	Sep 6, 2019
Book Page	005584/002197
Instrument	114822

Lender

Name	NMB HM LNS INC
Address	LEBANON, NJ 08833

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 5, 2049

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3923 BLACKBERRY CIR, SAINT CLOUD, FL 34769-1425
Document Number	0054101738
Instrument Date	Sep 4, 2018
Transaction Type	Mortgage
Record Updated	Oct 24, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3923 BLACKBERRY CIR ST CLOUD FL 347691425, ST CLOUD, FL 34769-1425

Mortgage

Document Number	0054101738
Date	Oct 2, 2018
Book Page	005410/001738
Instrument	147557

Lender

Name	WELLS FARGO BK WEST
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

Interest

Rate	4.5%

Tax Assessment & Valuation

The 2025 property tax bill for 3923 Blackberry Cir was $3,499 with a homeowner's exemption, up 3.6% 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	$3,499.00 (+3.55%) Homeowner's exemption	$238,375	$354,800 Land $70,000 Building $284,800
2024	$3,379.00 (+2.67%)
2023	$3,291.00 (+3.65%) Homeowner's exemption	$224,910 (+3%)	$329,300 (+26.75%) Land $60,000 Building $269,300
2022	$3,175.00 Homeowner's exemption	$218,360	$259,800 Land $45,000 Building $214,800

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

Flood

FEMA maps place 3923 Blackberry Cir in Zone X, an area of minimal flood risk, within 100 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 100 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 3923 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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