3968 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3968 Eternity Cir, Saint Cloud, FL 34772 · Last verified May 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,064 sqft · built 2016
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Apr 2026)
Tax Bill	$2,282 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0095-0001-2570`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0095-0001-2570`
Alternative APN	`263034009500012570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	2,064 sqft Living Area
Gross Area	2,947 sqft
1st Floor Area	2,064 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
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	458 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	425 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3968 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 257
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3B
Legal Phase	3B
Legal Tract	95
Legal Block	2570
Legal Lot Number	257
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43207

Owner

Source: Osceola County records · APN 34-26-30-0095-0001-2570

Assessment roll updated November 26, 2025 · Last verified May 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2021	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST
Feb 03, 2017	Special Warranty Deed, Transfer · VA Mortgage CALATLANTIC MORTGAGE INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Feb 03, 2017 · Amount on Record
Deed Document Number	202656292
Deed Book / Page	6962 / 2397
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	May 11, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0059140439
Date	Mar 17, 2021
Book Page	5914/439
Instrument	2021039626

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Dec 01, 2050

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 29, 2026
Property Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0000056292
Book / Page	6962 / 2397
Instrument Date	Apr 28, 2026
Instrument	2026.56292
Transaction Type	Transfer
Record Updated	May 11, 2026
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$265,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Investor	Possibly a Property Investor

Mortgage

Document Number	0000056293,
Date	Apr 29, 2026
Instrument	2026..56293

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 03, 2017
Property Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0050971388
Book / Page	5097 / 1388
Map Reference	MB22 PG70-72
Instrument Date	Jan 31, 2017
Instrument	2017019498
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,729.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3968 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0050971390
Date	Feb 03, 2017
Instrument	5097/1390

Lender

Name	CALATLANTIC MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified May 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,282.00 (+3.73%) Homeowner's exemption	$170,408 (+5.99%)	$358,500 (-0.06%) Land $78,800 Building $279,700
2024	$2,200.00 (+3%)
2023	$2,136.00 (+4.04%) Homeowner's exemption	$160,783 (+3%)	$358,700 (+16.23%) Land $63,000 Building $295,700
2022	$2,053.00 Homeowner's exemption	$156,100	$308,600 Land $57,800 Building $250,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 66 individual NFIP policies nearby
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, other causes, Hurricane Milton

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 52 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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