Osceola County property record for 3945 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 2013 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Apr 2025) |
| Tax Bill | $2,841 (2025) |
| Deeds & Mortgages | Sep 2022 Mortgage Feb 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-1990 |
| Primary APN | 34-26-30-0095-0001-1990 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,510 sqft Living Area |
| Gross Area | 2,098 sqft |
| 1st Floor Area | 1,510 sqft |
| Flooring | Tile |
| 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 | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3945 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 199 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1990 |
| Legal Lot Number | 199 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, 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 File |
|---|---|
| Mailing Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Sep 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Feb 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| May 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage FLAGSTAR BANK FSB |
| May 28, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 21, 2020 | Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 7, 2025 · Amount on Record |
| Deed Sale | Apr 7, 2025 · Amount on Record |
| Prior Sale | Mar 16, 2016 · Amount on Record |
| Deed Document Number | 202543970 |
| Deed Book / Page | 6767 / 2140 |
| Prior Transfer Date | May 21, 2020 |
| Prior Transfer Doc | 0057280563 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Sep 30, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0062870473 |
|---|---|
| Date | Sep 16, 2022 |
| Book Page | 6287/473 |
| Instrument | 2022140930 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0061590745 |
|---|---|
| Date | Feb 28, 2022 |
| Book Page | 6159/745 |
| Instrument | 2022031675 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Jun 10, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0059641390 |
|---|---|
| Date | May 24, 2021 |
| Book Page | 5964/1390 |
| Instrument | 2021079584 |
| Name | FLAGSTAR BANK FSB |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 28, 2020 |
| Property Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0057280563 |
| Book / Page | 005728 / 000563 |
| Instrument Date | May 21, 2020 |
| Instrument | 68730 |
| Transaction Type | Transfer |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3945 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3945 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0057280565 |
| Instrument Date | May 21, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 20, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3945 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Number | 0057280565 |
|---|---|
| Date | May 28, 2020 |
| Book Page | 005728/000565 |
| Instrument | 68731 |
| Name | FLAGSTAR BK |
|---|---|
| Type | Bank |
| Address | TROY, MI 48098-2639 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 27, 2050 |
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 | $2,841.00 (+3.61%) | $201,615 (+5.99%) | $301,800 (+0.6%) Land $75,000 Building $226,800 |
| 2024 | $2,742.00 (+2.81%) | ||
| 2023 | $2,667.00 (+5.83%) Homeowner's exemption | $190,227 (+4.54%) | $300,000 (+17.05%) Land $60,000 Building $240,000 |
| 2022 | $2,520.00 Homeowner's exemption | $181,968 | $256,300 Land $55,000 Building $201,300 |
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 at the parcel |
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) |
|---|---|
| Lumen Technologies 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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