3908 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3908 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,494 sqft · built 2016
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$525,000 (Aug 2023)
Tax Bill	$7,170 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2023 Sale & Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`342630009500012690`

Property Details

APN / Parcel Number

Primary APN	`342630009500012690`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	2,494 sqft Heated Area
Gross Area	3,461 sqft
1st Floor Area	2,494 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	675 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	70 sqft
Porch	Open Porch
Porch Area	292 sqft
Deck Area	750 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3908 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 269
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3B
Legal Tract	95
Legal Block	1
Legal Lot Number	269
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
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
Mailing Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 21, 2023	Warranty Deed, Transfer · Conventional Mortgage CONTOUR MORTGAGE CORP
Jan 26, 2021	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Jan 5, 2018	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
May 21, 2020	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MORTGAGE CO
Sep 25, 2019	Deed of Trust, Mortgage · FHA Mortgage OCEANSIDE MTG
Mar 14, 2017	Special Warranty Deed, Transfer · FHA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2023 · Amount on Record
Deed Sale	Aug 21, 2023 · Amount on Record
Prior Sale	Mar 14, 2017 · Amount on Record
Deed Document Number	2023109221
Deed Book / Page	6460 / 1728
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0069072475
Date	Jan 13, 2026
Book Page	6907/2475
Instrument	2026005634

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2056

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2023
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0064601728
Book / Page	6460 / 1728
Map Reference	MB 22 PG 70-72
Instrument Date	Aug 16, 2023
Instrument	2023109221
Transaction Type	Transfer
Record Updated	Sep 1, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3806 SAN ISIDRO CIR, SAINT CLOUD, FL 34772-8376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0064601730
Date	Aug 21, 2023
Instrument	6460/1730

Lender

Name	CONTOUR MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Feb 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0058770584
Date	Jan 26, 2021
Book Page	5877/584
Instrument	2021011129

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0052651673
Date	Jan 5, 2018
Book Page	5265/1673
Instrument	2018003606

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057252624
Date	May 21, 2020
Book Page	5725/2624
Instrument	2020066990

Lender

Name	OCEANSIDE MORTGAGE CO
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0056001009
Instrument Date	Sep 25, 2019
Transaction Type	Mortgage
Record Updated	Oct 23, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3908 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267

Mortgage

Document Number	0056001009
Date	Oct 3, 2019
Book Page	005600/001009
Instrument	128219

Lender

Name	OCEANSIDE MTG
Type	Mortgage Company
Address	TOMS RIVER, NJ 08753

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2049

March 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 14, 2017
Property Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0051162323
Book / Page	5116 / 2323
Map Reference	MB22 PG70-72
Instrument Date	Mar 14, 2017
Instrument	2017039803
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,851.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3908 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0051162325
Date	Mar 14, 2017
Instrument	5116/2325

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

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	$7,170.00 (+64.11%) Homeowner's exemption	$443,500 (+55.74%) Land $78,800 Building $364,700	$443,500 (-0.4%) Land $78,800 Building $364,700
2023	$4,369.00 (+16.17%) Homeowner's exemption	$284,769 (+13.52%)	$445,300 (+23.83%) Land $63,000 Building $382,300
2022	$3,761.00 Homeowner's exemption	$250,844	$359,600 Land $57,800 Building $301,800

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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