Osceola County property record for 3949 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,566 sqft · built 2013 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $475,000 (Nov 2024) |
| Tax Bill | $3,095 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2018 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-1970 |
| Primary APN | 34-26-30-0095-0001-1970 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,566 sqft Living Area |
| Gross Area | 3,428 sqft |
| 1st Floor Area | 1,048 sqft |
| Upper Floors Area | 1,518 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 400 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3949 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 197 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1970 |
| Legal Lot Number | 197 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3949 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Man, Separate Property |
| Date | Document |
|---|---|
| Oct 28, 2021 | Intrafamily Transfer, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jun 11, 2018 | Loan Modification, Mortgage · Conventional Mortgage PENNYMAC |
| Jun 11, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2024 · Amount on Record |
| Deed Sale | Nov 8, 2024 · Amount on Record |
| Prior Sale | Oct 28, 2021 |
| Deed Document Number | 2024142526 |
| Deed Book / Page | 6693 / 1348 |
| Prior Transfer Date | Oct 18, 2021 |
| Prior Transfer Doc | 0060750922 |
| Record Updated | Jun 8, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 28, 2021 |
| Property Address | 3949 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0060750922 |
| Book / Page | 6075 / 922 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Oct 18, 2021 |
| Instrument | 2021168172 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2021 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3949 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 6075925 |
|---|---|
| Date | Oct 28, 2021 |
| Instrument | 6075/925 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3949 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0053822305 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3949 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Number | 0053822305 |
|---|---|
| Date | Aug 10, 2018 |
| Book Page | 005382/002305 |
| Instrument | 122161 |
| Name | PENNYMAC |
|---|---|
| Address | MOORPARK, CA 93021 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 9, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3949 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0053692361 |
| Instrument Date | Jun 11, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 8, 2018 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3949 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Number | 0053692361 |
|---|---|
| Date | Jul 19, 2018 |
| Book Page | 005369/002361 |
| Instrument | 110289 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 18, 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 | $3,095.00 (-13.09%) | $215,791 (-8.09%) | $398,800 (-0.87%) Land $75,000 Building $323,800 |
| 2024 | $3,561.00 (+2.65%) | ||
| 2023 | $3,469.00 (+3.58%) Homeowner's exemption | $234,797 (+3%) | $402,300 (+16.41%) Land $60,000 Building $342,300 |
| 2022 | $3,349.00 Homeowner's exemption | $227,959 | $345,600 Land $55,000 Building $290,600 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.6% 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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