3903 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3903 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 2013
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (Jun 2020)
Tax Bill	$1,514 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`342630009500012200`

Property Details

APN / Parcel Number

Primary APN	`342630009500012200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,677 sqft Heated Area
Gross Area	2,147 sqft
1st Floor Area	1,677 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	20 sqft
Patio Area	120 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3903 ETERNITY CIR
City	SAINT CLOUD
State	FL
Zip	34772-8268
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPRIT PH 3B PB 22 PG 70-72 LOT 220
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3B
Legal Tract	95
Legal Block	1
Legal Lot Number	220
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 December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3903 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2020	Warranty Deed, Transfer · Conventional Mortgage FBC MORTGAGE LLC
Sep 25, 2018	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2020 · Amount on Record
Deed Sale	Jun 9, 2020 · Amount on Record
Prior Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	0057342260
Deed Book / Page	5734 / 2260
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 9, 2020
Property Address	3903 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number	0057342260
Book / Page	5734 / 2260
Map Reference	MB 22 PG 70-72
Instrument Date	Jun 9, 2020
Instrument	2020073866
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	50989 HIGHWAY 27316, 50989, DAVENPORT, FL 33897

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3903 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	0057342261
Date	Jun 9, 2020
Instrument	5734/2261

Lender

Name	FBC MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2018
Property Address	3903 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number	0054062176
Book / Page	5406 / 2176
Map Reference	MB22 PG70-72
Instrument Date	Sep 20, 2018
Instrument	2018144274
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4371 KISSIMMEE PARK RD, 4371, SAINT CLOUD, FL 34772-7704

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3903 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	2018144275
Date	Sep 25, 2018
Instrument	2018144275

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

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	$1,514.00 (+7.6%) Homeowner's exemption	$127,498 (+5.99%)	$312,100 (+0.42%) Land $75,000 Building $237,100
2023	$1,407.00 (+4.61%) Homeowner's exemption	$120,297 (+3%)	$310,800 (+15.97%) Land $60,000 Building $250,800
2022	$1,345.00 Homeowner's exemption	$116,794	$268,000 Land $55,000 Building $213,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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
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 68% of the US · above 47% of Florida
Wildfire Likelihood	0.3% 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 376 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: CenturyLink.

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