3913 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3913 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 2013
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$181,611 (Oct 2013)
Tax Bill	$3,616 (2025)
Deeds & Mortgages	Oct 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0095-0001-2150`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0095-0001-2150`
Alternative APN	`263034009500012150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,677 sqft Living Area
Gross Area	2,267 sqft
1st Floor Area	1,677 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
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	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3913 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 215
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3B
Legal Phase	3B
Legal Tract	95
Legal Block	2150
Legal Lot Number	215
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 34-26-30-0095-0001-2150

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

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

Owner of Record	2 Individual Names on File
Mailing Address	3913 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 03, 2013 · Amount on Record
Deed Sale	Oct 03, 2013 · Amount on Record
Deed Document Number	2013156427
Deed Book / Page	4511 / 562
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3913 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Transaction Type	Mortgage
Record Updated	Oct 27, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3913 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	0068652897
Date	Oct 16, 2025
Book Page	6865/2897
Instrument	2025128543

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 28, 2040

Tax Assessment & Valuation

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

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	$3,616.00 (+11.92%) Homeowner's exemption	$250,165 (+2.46%)	$312,200 (+0.45%) Land $75,000 Building $237,200
2023	$3,231.00 (+10.31%) Homeowner's exemption	$244,152 (+10.94%)	$310,800 (+16.06%) Land $60,000 Building $250,800
2022	$2,929.00 Homeowner's exemption	$220,067	$267,800 Land $55,000 Building $212,800

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.