3972 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3972 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,434 sqft · built 2016
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$252,890 (Mar 2016)
Tax Bill	$5,037 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0095-0001-2550`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0095-0001-2550`
Alternative APN	`263034009500012550`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	2,434 sqft Living Area
Gross Area	3,161 sqft
1st Floor Area	2,434 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
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	675 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	40 sqft
Porch	Florida Room
Porch Area	52 sqft
Deck Area	1,110 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3972 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 255
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3B
Legal Phase	3B
Legal Tract	95
Legal Block	2550
Legal Lot Number	255
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43207

Owner

Source: Osceola County records · APN 34-26-30-0095-0001-2550

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

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	3972 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 02, 2016 · Amount on Record
Deed Sale	Mar 02, 2016 · Amount on Record
Prior Sale	Feb 01, 2016 · Amount on Record
Deed Document Number	201630177
Deed Book / Page	4921 / 2237
Last Transfer Date	Dec 27, 2021
Transfer Doc	0061390198
Record Updated	Jun 08, 2026

January 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2022
Property Address	3972 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0061390198
Book / Page	6139 / 198
Map Reference	MB 22 PG 70-72
Instrument Date	Dec 27, 2021
Instrument	2022015519
Transaction Type	Transfer
Record Updated	Feb 11, 2022
Title Company	ALLIANCE TITLE GROUP INC, ALLIANCE T&E GROUP LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3972 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0006139200
Date	Jan 28, 2022
Instrument	6139/200

Lender

Name	AMERICAN BANCSHARES MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,037.00 (+3.43%) Homeowner's exemption	$324,296 (+15.25%)	$466,300 (+5.55%) Land $78,800 Building $387,500
2024	$4,870.00 (+13.05%)
2023	$4,308.00 (+17.26%) Homeowner's exemption	$281,374 (+14.38%)	$441,800 (+24.24%) Land $63,000 Building $378,800
2022	$3,674.00 Homeowner's exemption	$245,995	$355,600 Land $57,800 Building $297,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: Lumen Technologies.

Based on FCC filings for 376 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, 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.