Osceola County property record for 3934 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,566 sqft · built 2013 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $246,000 (Nov 2015) |
| Tax Bill | $4,584 (2025) |
| Deeds & Mortgages | Nov 2021 Mortgage Dec 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009500012880 |
| Primary APN | 342630009500012880 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,566 sqft Heated Area |
| Gross Area | 3,741 sqft |
| 1st Floor Area | 1,048 sqft |
| Upper Floors Area | 1,518 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 662 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 62 sqft |
|---|---|
| Porch | Finished/Screened Porch |
| Porch Area | 513 sqft |
| Deck Area | 740 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3934 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 288 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1 |
| Legal Lot Number | 288 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43207 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3934 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 3, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Dec 7, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| May 1, 2017 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LN SERVICING |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 3, 2015 · Amount on Record |
| Deed Sale | Nov 3, 2015 · Amount on Record |
| Prior Sale | Dec 5, 2013 · Amount on Record |
| Deed Document Number | 2015165276 |
| Deed Book / Page | 4866 / 2624 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Transaction Type | Mortgage |
| Record Updated | Nov 24, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060790942 |
|---|---|
| Date | Nov 3, 2021 |
| Book Page | 6079/942 |
| Instrument | 2021171121 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058460492 |
|---|---|
| Date | Dec 7, 2020 |
| Book Page | 5846/492 |
| Instrument | 2020165794 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0057162175 |
| Instrument Date | Apr 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3934 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267 |
| Document Number | 0057162175 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 005716/002175 |
| Instrument | 59438 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 30, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3934 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0051441586 |
| Book / Page | 005144 / 001586 |
| Instrument Date | May 1, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 26, 2017 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3934 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267 |
| Document Number | 0051441586 |
|---|---|
| Date | May 9, 2017 |
| Book Page | 005144/001586 |
| Instrument | 67514 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2047 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,584.00 (+23.96%) Homeowner's exemption | $299,006 (+20.8%) | $458,600 (+6.92%) Land $75,000 Building $383,600 |
| 2023 | $3,698.00 (+3.56%) Homeowner's exemption | $247,523 (+3%) | $428,900 (+16.39%) Land $60,000 Building $368,900 |
| 2022 | $3,571.00 Homeowner's exemption | $240,314 | $368,500 Land $55,000 Building $313,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 81% of the US · above 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.7% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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