Osceola County property record for 3937 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 File |
| Last Sale | $410,000 (Mar 2024) |
| Tax Bill | $4,806 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Mar 2024 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009500012030 |
| Primary APN | 342630009500012030 |
|---|
| Bedrooms | 5 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 |
| 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 | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 228 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3937 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 203 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1 |
| Legal Lot Number | 203 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009500012030
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 | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3937 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 28, 2026 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Mar 11, 2024 | Special Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Sep 21, 2020 | Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 11, 2024 · Amount on Record |
| Deed Sale | Mar 11, 2024 · Amount on Record |
| Prior Sale | Sep 21, 2020 · Amount on Record |
| Deed Document Number | 2024031383 |
| Deed Book / Page | 6563 / 838 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3937 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2026 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Name | Verified Name |
|---|---|
| Address | 3937 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0069140192 |
|---|---|
| Date | Jan 28, 2026 |
| Book Page | 6914/192 |
| Instrument | 2026012096 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Feb 01, 2041 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2024 |
| Property Address | 3937 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0065630838 |
| Book / Page | 6563 / 838 |
| Map Reference | MB 22 PGS 70 THROUGH |
| Instrument Date | Mar 08, 2024 |
| Instrument | 2024031383 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2024 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3903 AXIS VALLEY PL, SAINT CLOUD, FL 34772-7973 |
| Name | Verified Name |
|---|---|
| Address | 3937 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 2024031384 |
|---|---|
| Date | Mar 11, 2024 |
| Instrument | 2024031384 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Number | 0065630841 |
|---|---|
| Date | Mar 11, 2024 |
| Book Page | 6563/841 |
| Instrument | 2024031384 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 2160 SUPERIOR AVE E, CLEVELAND, OH 44114 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 21, 2020 |
| Property Address | 3937 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0057971526 |
| Book / Page | 5797 / 1526 |
| Map Reference | MB 22 PG 70 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 2020126208 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,142.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7740 FIELDCREST CT, 7740, PENSACOLA, FL 32526-4444 |
| Name | Verified Name |
|---|---|
| Address | 1009 KINGS PKWY, NORTH BALDWIN, NY 11510-2106 |
| Document Number | 0057971529 |
|---|---|
| Date | Sep 21, 2020 |
| Instrument | 5797/1529 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $4,806.00 (-21.38%) Homeowner's exemption | $311,424 (-21.46%) | $396,900 (+0.1%) Land $75,000 Building $321,900 |
| 2023 | $6,113.00 (+12.12%) | $396,500 (+16.41%) Land $60,000 Building $336,500 | $396,500 (+16.41%) Land $60,000 Building $336,500 |
| 2022 | $5,452.00 | $340,600 Land $55,000 Building $285,600 | $340,600 Land $55,000 Building $285,600 |
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
| 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 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.
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.
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 |
| 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.
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