Osceola County property record for 3906 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2017 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $362,000 (Sep 2026) |
| Tax Bill | $5,807 (2025) |
| Deeds & Mortgages | Sep 2026 Sale Jun 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-2700 |
| Primary APN | 34-26-30-0095-0001-2700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,487 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 190 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3906 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 270 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 2700 |
| Legal Lot Number | 270 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43207 |
Source: Osceola County records, as of September 14, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 3906 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Woman, Separate Property |
| Date | Document |
|---|---|
| Sep 2, 2026 | Warranty Deed, Transfer A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW |
| Jun 29, 2017 | Special Warranty Deed, Transfer · Conventional Mortgage CALATLANTIC MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 2, 2026 · Amount on Record |
| Deed Sale | Sep 2, 2026 · Amount on Record |
| Prior Sale | Jun 29, 2017 · Amount on Record |
| Deed Document Number | 2026115420 |
| Deed Book / Page | 7030 / 560 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 2, 2026 |
| Property Address | 3906 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0000115420 |
| Book / Page | 7030 / 560 |
| Instrument Date | Aug 22, 2026 |
| Instrument | 2026115420 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2026 |
| Title Company | A CLEAR CHOICE TITLE AND ESCROW, A CLEAR CHOICE TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Tax | $255,934.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3906 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2017 |
| Property Address | 3906 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0051720772 |
| Book / Page | 5172 / 0772 |
| Map Reference | MB22 PG70-72 |
| Instrument Date | Jun 28, 2017 |
| Instrument | 2017095445 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,780.10 |
| 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 | 3906 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0051720774 |
|---|---|
| Date | Jun 29, 2017 |
| Instrument | 5172/0774 |
| Name | CALATLANTIC MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2047 |
Source: Osceola County assessment roll, as of November 26, 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 | $5,807.00 (+12.8%) | $338,600 (+0.39%) Land $78,800 Building $259,800 | $338,600 (+0.39%) Land $78,800 Building $259,800 |
| 2023 | $5,148.00 (+12.03%) | $337,300 (+16.11%) Land $63,000 Building $274,300 | $337,300 (+16.11%) Land $63,000 Building $274,300 |
| 2022 | $4,595.00 | $290,500 Land $57,800 Building $232,700 | $290,500 Land $57,800 Building $232,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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