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3907 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3907 Eternity Cir, Saint Cloud, FL 34772 · Last verified April 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2013
Square Footage2,306 sqft Living Area
Lot Size7,840 sqft (0.18 acres)
GarageAttached, 438 sqft
Last Sale$378,000 (2021)
Tax Bill$6,456.00 (2024)

Property Details

APN / Parcel Number

Primary APN34-26-30-0095-0001-2180
Alternative APN
  • 263034009500012180

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area2,306 sqft Living Area
Gross Area2,934 sqft Gross Area
1st Floor1,859 sqft 1st Floor
Upper Floors447 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2013
Effective Year BuiltEffective 2013
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,840 sqft (0.18 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area438 sqft Garage
Porch Area190 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address3907 ETERNITY CIR
CitySAINT CLOUD
StateFL
Zip34772-8268
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionESPRIT PH 3B PB 22 PG 70-72 LOT 218
Legal Range30E
Legal Township26S
Legal Section34
Legal SubdivisionESPRIT PH 3B
Legal Phase3B
Legal Tract95
Legal Block2180
Legal Lot Number218
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup2
Census Block2012
Census Tract43207

Owner

Source: Osceola County records · APN 34-26-30-0095-0001-2180

Assessment roll updated November 26, 2025 · Last verified April 2026

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

Owner of RecordCompany Name on File
Mailing AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2022Deed of Trust, Mortgage · Commercial Mortgage
ROYAL BANK OF CANADA
Aug 15, 2022Warranty Deed, Transfer
SELENE TITLE LLC
Dec 30, 2021Warranty Deed, Transfer
Jun 14, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
QUICKEN LOANS LLC
May 02, 2019Warranty Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
QUICKEN LNS

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleDec 30, 2021 · Amount on Record
Deed SaleDec 30, 2021 · Amount on Record
Prior SaleMay 02, 2019 · Amount on Record
Deed Doc Number2021201899
Deed Book / Page6119 / 1595
Last Transfer DateAug 11, 2022
Transfer Doc0062682759
Record RefreshedJun 08, 2026

August 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3907 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Transaction TypeMortgage
Record UpdatedSep 08, 2022
Title CompanySELENE TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062720744
DateAug 19, 2022
Book Page6272/744
Instrument2022127801
Lender
NameROYAL BANK OF CANADA
TypeBank
AddressNEW YORK, NY 10281
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 15, 2022
Property Address3907 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number0062682759
Book / Page6268 / 2759
Instrument DateAug 11, 2022
Instrument2022124669
Transaction TypeTransfer
Record UpdatedSep 01, 2022
Title CompanySELENE TITLE LLC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 30, 2021
Property Address3907 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number0061191595
Book / Page6119 / 1595
Map ReferenceMB 22 PG 70-72
Instrument DateDec 29, 2021
Instrument2021201899
Transaction TypeTransfer
Record UpdatedJan 14, 2022

Transaction

AmountAmount Recorded
Tax$2,646.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3907 ETERNITY CIR, 3907, SAINT CLOUD, FL 34772-8268

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 4090, SCOTTSDALE, AZ 85261-4090
InvestorPossibly a Property Investor

June 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3907 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Transaction TypeMortgage
Record UpdatedJul 06, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0059792887
DateJun 14, 2021
Book Page5979/2887
Instrument2021091814
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

May 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 02, 2019
Property Address3907 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number0055172968
Book / Page005517 / 002968
Instrument DateApr 29, 2019
Instrument56589
Transaction TypeTransfer
Record UpdatedMay 16, 2019
Title CompanyAMROCK INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,753.50
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address3907 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268

Mortgage

Document Number55172970
DateMay 02, 2019
Book Page005517/002970
Instrument56590
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueMay 01, 2049

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$6,624.00 (+2.6%)$369,900 (-0.56%) Land $75,000 Building $294,900$369,900 (-0.56%) Land $75,000 Building $294,900
2024$6,456.00 (-3.68%)
2023$6,703.00 (+16.17%)$372,000 (+16.25%) Land $60,000 Building $312,000$372,000 (+16.25%) Land $60,000 Building $312,000
2022$5,770.00$320,000 Land $55,000 Building $265,000$320,000 Land $55,000 Building $265,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 68% of the US · above 48% of Florida
Wildfire LikelihoodAbout 1 in 301 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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