3923 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3923 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,004 sqft · built 2013
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$190,800 (Jul 2013)
Tax Bill	$3,281 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`342630009500012100`

Property Details

APN / Parcel Number

Primary APN	`342630009500012100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,004 sqft Heated Area
Gross Area	2,820 sqft
1st Floor Area	830 sqft
Upper Floors Area	1,174 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	11,326 sqft (0.26 acres)
Garage Type	Finished
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Porch
Porch Area	410 sqft
Deck Area	648 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	3923 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 210
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3B
Legal Tract	95
Legal Block	1
Legal Lot Number	210
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009500012100

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	2 Individual Names on File
Mailing Address	3923 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 30, 2013 · Amount on Record
Deed Sale	Jul 30, 2013 · Amount on Record
Deed Document Number	2013119123
Deed Book / Page	4480 / 0189
Record Updated	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3923 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number	0056040176
Instrument Date	Sep 28, 2019
Transaction Type	Mortgage
Record Updated	Oct 29, 2019
Title Company	DATA SEARCH INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3923 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268

Mortgage

Document Number	0056040176
Date	Oct 11, 2019
Book Page	005604/000176
Instrument	131190

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Oct 10, 2044

Interest

Rate Type	Adjustable Rate

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	$3,281.00 (+6.35%) Homeowner's exemption	$226,219 (+5.99%)	$365,200 (+0.47%) Land $75,000 Building $290,200
2023	$3,085.00 (+3.7%) Homeowner's exemption	$213,441 (+3%)	$363,500 (+14.81%) Land $60,000 Building $303,500
2022	$2,975.00 Homeowner's exemption	$207,225	$316,600 Land $55,000 Building $261,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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	High above 81% of the US · above 71% of Florida
Wildfire Likelihood	0.7% annual chance
Exposure	Direct burnable vegetation at the parcel

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)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 52 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, 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.