3969 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3969 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2013
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$244,900 (Nov 2018)
Tax Bill	$5,706 (2025)
Deeds & Mortgages	Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`342630009500011870`

Property Details

APN / Parcel Number

Primary APN	`342630009500011870`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,353 sqft
1st Floor Area	1,859 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
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	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	56 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3969 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 187
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3B
Legal Tract	95
Legal Block	1
Legal Lot Number	187
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009500011870

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	3969 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Prior Sale	Jun 02, 2014 · Amount on Record
Deed Document Number	2018170911
Deed Book / Page	5436 / 0184
Record Updated	Jun 08, 2026

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2018
Property Address	3969 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number	0054360184
Book / Page	5436 / 0184
Map Reference	MB22 PG70-72
Instrument Date	Nov 19, 2018
Instrument	2018170911
Transaction Type	Transfer
Record Updated	Aug 01, 2022
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,714.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3704 FANCIFUL CT, 3704, SAINT CLOUD, FL 34772-8239

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3969 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	2018170912
Date	Nov 20, 2018
Instrument	2018170912

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2048

Interest

Rate Type	Adjustable Rate
Rate	8.87%
Type Change Date	Dec 01, 2023
Change Frequency	Annually
Min Rate At Change	8.87%
Max Rate At Change	10.8%
Index	1-Year LIBOR
Margin	5
Max Rate	13.8%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,706.00 (+12.79%)	$328,700 (+0.12%) Land $75,000 Building $253,700	$328,700 (+0.12%) Land $75,000 Building $253,700
2023	$5,059.00 (+11.95%)	$328,300 (+15.97%) Land $60,000 Building $268,300	$328,300 (+15.97%) Land $60,000 Building $268,300
2022	$4,519.00	$283,100 Land $55,000 Building $228,100	$283,100 Land $55,000 Building $228,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	High above 77% of the US · above 65% of Florida
Wildfire Likelihood	0.6% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 52 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.