Osceola County property record for 3965 Eternity Cir, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 2015 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $190,767 (Jan 2016) |
| Tax Bill | $2,749 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009500011890 |
| Primary APN | 342630009500011890 |
|---|
| 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 |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3965 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 189 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1 |
| Legal Lot Number | 189 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009500011890
Assessment roll updated July 1, 2025 · Last verified December 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 | 3965 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 07, 2016 · Amount on Record |
| Deed Sale | Jan 07, 2016 · Amount on Record |
| Deed Document Number | 2016003243 |
| Deed Book / Page | 4896 / 2044 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3965 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Aug 04, 2021 |
| Title Company | NATIONWIDE TITLE CLEARING INC, NATIONWIDE TTL CLEARING INC |
| Name | Verified Name |
|---|---|
| Address | 3665 ETERNITY CIR, SAINT CLOUD, FL 34772 |
| Document Number | 0060052266 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 6005/2266 |
| Instrument | 2021112255 |
| Name | INTERCONTINENTAL CAPITAL GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | MELVILLE, NY 11747 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,749.00 (+6.55%) Homeowner's exemption | $196,496 (+5.99%) | $301,600 (+0.67%) Land $75,000 Building $226,600 |
| 2023 | $2,580.00 (+3.86%) Homeowner's exemption | $185,398 (+3%) | $299,600 (+15.99%) Land $60,000 Building $239,600 |
| 2022 | $2,484.00 Homeowner's exemption | $179,999 | $258,300 Land $55,000 Building $203,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 77% of the US · above 65% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 171 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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