Osceola County property record for 3961 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 2015 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $390,000 (Jun 2022) |
| Tax Bill | $4,833 (2025) |
| Deeds & Mortgages | Jun 2022 Sale Apr 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009500011910 |
| Primary APN | 342630009500011910 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,510 sqft Heated Area |
| Gross Area | 2,098 sqft |
| 1st Floor Area | 1,510 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 168 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3961 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 191 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1 |
| Legal Lot Number | 191 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records, as of December 11, 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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3961 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 24, 2022 | Warranty Deed, Transfer STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Apr 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Feb 7, 2020 | Warranty Deed, Transfer PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 24, 2022 · Amount on Record |
| Deed Sale | Jun 24, 2022 · Amount on Record |
| Prior Sale | Apr 28, 2021 · Amount on Record |
| Deed Document Number | 2022098998 |
| Deed Book / Page | 6239 / 2045 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 24, 2022 |
| Property Address | 3961 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0062392045 |
| Book / Page | 6239 / 2045 |
| Map Reference | MB 22 PG 70 |
| Instrument Date | Jun 22, 2022 |
| Instrument | 2022098998 |
| Transaction Type | Transfer |
| Record Updated | Jul 7, 2022 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,730.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3961 ETERNITY CIR, 3961, SAINT CLOUD, FL 34772-8268 |
| Name | Verified Name |
|---|---|
| Address | 3961 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 28, 2021 |
| Property Address | 3961 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0059460170 |
| Book / Page | 5946 / 170 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Apr 26, 2021 |
| Instrument | 2021064706 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,967.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12 LAKE RD, 12, STONY POINT, NY 10980-2712 |
| Name | Verified Name |
|---|---|
| Address | 850 CHAMBERLIN TRL, SAINT CLOUD, FL 34772-7750 |
| Document Number | 5946172 |
|---|---|
| Date | Apr 28, 2021 |
| Instrument | 5946/172 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 7, 2020 |
| Property Address | 3961 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0056710880 |
| Book / Page | 005671 / 000880 |
| Instrument Date | Feb 3, 2020 |
| Instrument | 19727 |
| Transaction Type | Transfer |
| Record Updated | Feb 28, 2020 |
| Title Company | PUBLIC TITLE SERVICES LLC, PUBLIC TITLE SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,645.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3961 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
Source: Osceola County assessment roll, as of July 1, 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 | $4,833.00 (-0.33%) Homeowner's exemption | $312,900 (+0.48%) Land $75,000 Building $237,900 | $312,900 (+0.48%) Land $75,000 Building $237,900 |
| 2023 | $4,849.00 (+0.89%) Homeowner's exemption | $311,400 (+16.85%) Land $60,000 Building $251,400 | $311,400 (+16.85%) Land $60,000 Building $251,400 |
| 2022 | $4,806.00 | $266,500 Land $55,000 Building $211,500 | $266,500 Land $55,000 Building $211,500 |
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 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures