Osceola County property record for 3904 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,662 sqft · built 2017 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,146 (2025) |
| Deeds & Mortgages | Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009500012710 |
| Primary APN | 342630009500012710 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,662 sqft Heated Area |
| Gross Area | 3,461 sqft |
| 1st Floor Area | 2,662 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| 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 | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 352 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3904 ETERNITY CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8267 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3B PB 22 PG 70-72 LOT 271 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1 |
| Legal Lot Number | 271 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43207 |
3904 Eternity Cir is owned and occupied by an individual who acquired it in September 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3904 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2022 |
| Deed Sale | Sep 14, 2022 |
| Deed Document Number | 0006286272 |
| Deed Book / Page | 5114 / 2785 |
| Prior Transfer Date | Mar 10, 2017 |
| Prior Transfer Doc | 2017037857 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 10, 2017 |
| Property Address | 3904 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0051142785 |
| Book / Page | 5114 / 2785 |
| Map Reference | MB22 PG70-72 |
| Instrument Date | Mar 9, 2017 |
| Instrument | 2017037857 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,046.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376 |
| Name | Verified Name |
|---|---|
| Address | 3904 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0051142787 |
|---|---|
| Date | Mar 10, 2017 |
| Instrument | 5114/2787 |
| Name | CALATLANTIC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2047 |
The 2025 property tax bill for 3904 Eternity Cir was $4,146 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,146.00 Homeowner's exemption | $274,532 | $406,100 Land $78,800 Building $327,300 |
| 2023 | $3,906.00 (+3.55%) Homeowner's exemption | $259,025 (+3%) | $428,800 (+16.33%) Land $63,000 Building $365,800 |
| 2022 | $3,772.00 Homeowner's exemption | $251,481 | $368,600 Land $57,800 Building $310,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3904 Eternity Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.
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 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 risk around 3904 Eternity Cir is moderate, ranking above 68% of the US, with a 0.3% annual chance of 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.
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 |
| 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.
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures