Osceola County property record for 3930 Eternity Cir, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2013 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $80,503 (Aug 2022) |
| Tax Bill | $4,340 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Aug 2022 Re-recorded Document |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-2900 |
| Primary APN | 34-26-30-0095-0001-2900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,473 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 176 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3930 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 290 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 2900 |
| Legal Lot Number | 290 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43207 |
Source: Osceola County records · APN 34-26-30-0095-0001-2900
Assessment roll updated November 26, 2025 · Last verified August 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 | 3930 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 10, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Aug 15, 2022 | Re-recorded Document RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 15, 2022 · Amount on Record |
| Deed Sale | Aug 15, 2022 · Amount on Record |
| Prior Sale | Jan 14, 2014 · Amount on Record |
| Deed Document Number | 2022124655 |
| Deed Book / Page | 6268 / 2734 |
| Prior Transfer Date | Aug 05, 2022 |
| Prior Transfer Doc | 0062670115 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 10, 2022 |
| Property Address | 3930 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0062670115 |
| Book / Page | 6267 / 115 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Aug 05, 2022 |
| Instrument | 2022122923 |
| Transaction Type | Transfer |
| Record Updated | Aug 23, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3930 ETERNITY CIR, 3930, SAINT CLOUD, FL 34772-8267 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3930 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0006267117 |
|---|---|
| Date | Aug 10, 2022 |
| Instrument | 6267/117 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2037 |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 15, 2022 |
| Property Address | 3930 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0062682734 |
| Book / Page | 6268 / 2734 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Aug 05, 2022 |
| Instrument | 2022124655 |
| Record Updated | Sep 01, 2022 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 3930 ETERNITY CIR, 3930, SAINT CLOUD, FL 34772-8267 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3930 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,340.00 (+2.48%) Homeowner's exemption | $210,972 (+5.99%) | $327,700 (+0.15%) Land $75,000 Building $252,700 |
| 2024 | $4,235.00 (+1.9%) | ||
| 2023 | $4,156.00 (+52.63%) Homeowner's exemption | $199,056 (+3%) | $327,200 (+16.15%) Land $60,000 Building $267,200 |
| 2022 | $2,723.00 Homeowner's exemption | $193,259 | $281,700 Land $55,000 Building $226,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 66 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 66 in force 57 of 66 on primary residences |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024, other causes, Hurricane Milton |
| Wildfire Risk | High above 81% of the US · above 71% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 144 per year |
| 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.
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