Osceola County property record for 3940 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2014 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $100 (Aug 2016) |
| Tax Bill | $3,672 (2025) |
| Deeds & Mortgages | Apr 2023 Second Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-2850 |
| Primary APN | 34-26-30-0095-0001-2850 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,767 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| 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 |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 450 sqft |
| Porch | Florida Room |
| Porch Area | 470 sqft |
| Deck Area | 798 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3940 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 285 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 2850 |
| Legal Lot Number | 285 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43207 |
Source: Osceola County records, as of November 26, 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 Record |
|---|---|
| Mailing Address | 3940 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 18, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Nov 10, 2018 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2016 · Amount on Record |
| Deed Sale | Aug 1, 2016 · Amount on Record |
| Prior Sale | Feb 16, 2015 · Amount on Record |
| Deed Book / Page | 5018 / 1234 |
| Last Transfer Date | Aug 29, 2016 |
| Transfer Doc | 0050270765 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3940 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Transaction Type | Mortgage |
| Record Updated | May 3, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3940 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0063900001 |
|---|---|
| Date | Apr 18, 2023 |
| Book Page | 6390/1 |
| Instrument | 2023045534 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3940 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0059900799 |
|---|---|
| Date | Jun 28, 2021 |
| Book Page | 5990/799 |
| Instrument | 2021100354 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3940 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0054342197 |
| Instrument Date | Nov 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3940 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267 |
| Document Number | 0054342197 |
|---|---|
| Date | Nov 16, 2018 |
| Book Page | 005434/002197 |
| Instrument | 169658 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 15, 2048 |
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 | $3,672.00 (+3.52%) Homeowner's exemption | $248,032 (+5.99%) | $371,500 (+0.95%) Land $75,000 Building $296,500 |
| 2024 | $3,547.00 (+2.66%) | ||
| 2023 | $3,455.00 (+3.6%) Homeowner's exemption | $234,022 (+3%) | $368,000 (+14.43%) Land $60,000 Building $308,000 |
| 2022 | $3,335.00 Homeowner's exemption | $227,206 | $321,600 Land $55,000 Building $266,600 |
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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