Osceola County property record for 3939 Eternity Cir, Saint Cloud, FL 34772
| 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 Record |
| Last Sale | $268,000 (Jan 2021) |
| Tax Bill | $5,076 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage Jan 2021 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-2020 |
| Primary APN | 34-26-30-0095-0001-2020 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,353 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/Stucco |
| Foundation Type | Footing |
| 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 | 56 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3939 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 202 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 2020 |
| Legal Lot Number | 202 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records, as of October 19, 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 Record |
|---|---|
| Mailing Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jan 5, 2021 | Warranty Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP |
| Jul 10, 2019 | Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Jan 31, 2019 | Warranty Deed, Transfer OPENDOOR TITLE LLC |
| Jun 28, 2017 | Loan Modification, Mortgage · Conventional with PMI PENNYMAC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 5, 2021 · Amount on Record |
| Deed Sale | Jan 5, 2021 · Amount on Record |
| Prior Sale | Jul 10, 2019 · Amount on Record |
| Deed Document Number | 20211311 |
| Deed Book / Page | 5865 / 302 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0065271253 |
|---|---|
| Date | Dec 29, 2023 |
| Book Page | 6527/1253 |
| Instrument | 2023169488 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 325 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 5, 2021 |
| Property Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0058650302 |
| Book / Page | 5865 / 302 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Dec 31, 2020 |
| Instrument | 2021001311 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,876.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1986 SW BEARD ST, 1986, PORT ST LUCIE, FL 34953-1709 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0005865307 |
|---|---|
| Date | Jan 5, 2021 |
| Instrument | 5865/307 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 10, 2019 |
| Property Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0055542241 |
| Book / Page | 5554 / 2241 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Jul 2, 2019 |
| Instrument | 2019088719 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | OPENDOOR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,715.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999 |
| Name | Verified Name |
|---|---|
| Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0055542243 |
|---|---|
| Date | Jul 10, 2019 |
| Instrument | 5554/2243 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 31, 2019 |
| Property Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0054701959 |
| Book / Page | 005470 / 001959 |
| Instrument Date | Jan 30, 2019 |
| Instrument | 12829 |
| Transaction Type | Transfer |
| Record Updated | Feb 12, 2019 |
| Title Company | OPENDOOR TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,696.10 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999 |
| Investor | Possibly a Property Investor |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3939 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0052732906 |
| Book / Page | 005273 / 002906 |
| Instrument Date | Jun 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3939 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Number | 0052732906 |
|---|---|
| Date | Jan 24, 2018 |
| Book Page | 005273/002906 |
| Instrument | 12400 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 23, 2043 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
Source: Osceola County assessment roll, as of November 26, 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 | $5,076.00 (+2.94%) Homeowner's exemption | $326,500 (+0.15%) Land $75,000 Building $251,500 | $326,500 (+0.15%) Land $75,000 Building $251,500 |
| 2024 | $4,931.00 (-3.54%) | ||
| 2023 | $5,112.00 (+14.31%) Homeowner's exemption | $326,000 (+16.14%) Land $60,000 Building $266,000 | $326,000 (+16.14%) Land $60,000 Building $266,000 |
| 2022 | $4,472.00 | $280,700 Land $55,000 Building $225,700 | $280,700 Land $55,000 Building $225,700 |
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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