3911 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3911 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,566 sqft · built 2013
Lot Size	0.189 acres (8,276 sqft)
Owner	Owner Name on File
Last Sale	$215,909 (Jul 2013)
Tax Bill	$3,601 (2025)
Deeds & Mortgages	Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`342630009500012160`

Property Details

APN / Parcel Number

Primary APN	`342630009500012160`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,566 sqft Heated Area
Gross Area	3,256 sqft
1st Floor Area	1,048 sqft
Upper Floors Area	1,518 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3911 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 216
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3B
Legal Tract	95
Legal Block	1
Legal Lot Number	216
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009500012160

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record	Owner Name on File
Mailing Address	3911 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Last Sale	Jul 18, 2013 · Amount on Record
Deed Sale	Jul 18, 2013 · Amount on Record
Deed Document Number	2013110866
Deed Book / Page	4473 / 2109
Record Updated	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3911 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Transaction Type	Mortgage
Record Updated	Aug 01, 2022
Title Company	SERVCELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3911 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	0058091888
Date	Oct 09, 2020
Book Page	5809/1888
Instrument	2020136126

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	IRVINE, CA 92602

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	274 Months
Due	Aug 01, 2043

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,601.00 (+6.29%) Homeowner's exemption	$244,102 (+5.99%)	$391,900 (-0.81%) Land $75,000 Building $316,900
2023	$3,388.00 (+3.61%) Homeowner's exemption	$230,314 (+3%)	$395,100 (+16.38%) Land $60,000 Building $335,100
2022	$3,270.00 Homeowner's exemption	$223,606	$339,500 Land $55,000 Building $284,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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: Lumen Technologies.

Based on FCC filings for 376 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.