Osceola County property record for 3962 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,662 sqft · built 2014 |
| Lot Size | 0.23 acres (10,018 sqft) |
| Owner | Company Name on Record |
| Last Sale | $400,000 (Oct 2021) |
| Tax Bill | $7,111 (2025) |
| Deeds & Mortgages | Oct 2021 Sale Jul 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0095-0001-2600 |
| Primary APN | 34-26-30-0095-0001-2600 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,662 sqft Living Area |
| Gross Area | 3,475 sqft |
| 1st Floor Area | 2,662 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2014 |
| Exterior Material | Concrete Block/Stucco |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,018 sqft (0.23 acres) |
| Garage Type | Attached |
| Garage Area | 447 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 366 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3962 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 260 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3B |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 2600 |
| Legal Lot Number | 260 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2024 |
| Census Tract | 43207 |
Source: Osceola County records, as of October 12, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | 375 S BUMBY AVE, ORLANDO, FL 32803-6228 |
| Owner Type | Company |
| Vesting | Limited Liability Company |
| Date | Document |
|---|---|
| Oct 11, 2021 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Jul 10, 2019 | Deed of Trust, Mortgage · VA Mortgage SYNERGY ONE LENDING |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 11, 2021 · Amount on Record |
| Deed Sale | Oct 11, 2021 · Amount on Record |
| Prior Sale | Nov 10, 2014 · Amount on Record |
| Deed Document Number | 2021157804 |
| Deed Book / Page | 6062 / 2185 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 11, 2021 |
| Property Address | 3962 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Document Number | 0060622185 |
| Book / Page | 6062 / 2185 |
| Map Reference | MB 22 PG 70&72 |
| Instrument Date | Oct 8, 2021 |
| Instrument | 2021157804 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,800.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3962 ETERNITY CIR, 3962, SAINT CLOUD, FL 34772-8267 |
| Name | Verified Name |
|---|---|
| Address | 8390 E VIA DE VENTURA F-110 #303 # 303, 303, SCOTTSDALE, AZ 85258-3188 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3962 ETERNITY CIR, SAINT CLOUD, FL 34772-8267 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0055540720 |
|---|---|
| Date | Jul 10, 2019 |
| Book Page | 5554/0720 |
| Instrument | 2019088251 |
| Name | SYNERGY ONE LENDING |
|---|---|
| Type | Lending Institution |
| Address | LOMBARD, IL 60148 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
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 | $7,111.00 (-6.52%) | $397,100 (-5.45%) Land $75,000 Building $322,100 | $397,100 (-5.45%) Land $75,000 Building $322,100 |
| 2024 | $7,607.00 (+4.48%) | ||
| 2023 | $7,281.00 (+11.86%) | $420,000 (+16.34%) Land $60,000 Building $360,000 | $420,000 (+16.34%) Land $60,000 Building $360,000 |
| 2022 | $6,509.00 | $361,000 Land $55,000 Building $306,000 | $361,000 Land $55,000 Building $306,000 |
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 |
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