Osceola County property record for 3973 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,434 sqft · built 2016 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $409,000 (Dec 2023) |
| Tax Bill | $7,188 (2025) |
| Deeds & Mortgages | Dec 2023 Sale & Mortgage Apr 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009500011850 |
| Primary APN | 342630009500011850 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,434 sqft Heated Area |
| Gross Area | 3,311 sqft |
| 1st Floor Area | 2,434 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| 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 | 675 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 202 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3973 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 185 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3B |
| Legal Tract | 95 |
| Legal Block | 1 |
| Legal Lot Number | 185 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, as of July 1, 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 | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2023 | Warranty Deed, Transfer · FHA Mortgage LOWER LLC |
| Apr 12, 2022 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Feb 23, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Mar 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 14, 2023 · Amount on Record |
| Deed Sale | Dec 14, 2023 · Amount on Record |
| Prior Sale | Apr 12, 2022 · Amount on Record |
| Deed Document Number | 2023162838 |
| Deed Book / Page | 6519 / 908 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 14, 2023 |
| Property Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0065190908 |
| Book / Page | 6519 / 908 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Dec 13, 2023 |
| Instrument | 2023162838 |
| Transaction Type | Transfer |
| Record Updated | Jan 5, 2024 |
| Title Company | THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,863.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Name | Verified Name |
|---|---|
| Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0006519911 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | 6519/911 |
| Name | LOWER LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 12, 2022 |
| Property Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0061922564 |
| Book / Page | 6192 / 2564 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 2022058379 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662 |
| Name | Verified Name |
|---|---|
| Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0061922570 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 6192/2570 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.37% |
| Type Change Date | May 1, 2032 |
| Change Frequency | 6 Months |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 9.37% |
| Index | Other |
| Max Rate | 9.37% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 23, 2022 |
| Property Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0061562633 |
| Book / Page | 6156 / 2633 |
| Map Reference | MB 22 PG 70-72 |
| Instrument Date | Feb 19, 2022 |
| Instrument | 2022029819 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,814.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4340 BUT STREET, 4340, SAINT CLOUD, FL 34772 |
| Name | Verified Name |
|---|---|
| Address | 2150 EAST GERNIANN REED #1 # 1, 1, CHANDLER, AZ 85286 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3973 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0059121317 |
|---|---|
| Date | Mar 15, 2021 |
| Book Page | 5912/1317 |
| Instrument | 2021038208 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Mar 1, 2046 |
Source: Osceola County assessment roll, as of July 1, 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 | $7,188.00 (+10.01%) | $401,400 (-0.89%) Land $75,000 Building $326,400 | $401,400 (-0.89%) Land $75,000 Building $326,400 |
| 2023 | $6,534.00 (+79.85%) Homeowner's exemption | $405,000 (+66.14%) Land $60,000 Building $345,000 | $405,000 (+16.51%) Land $60,000 Building $345,000 |
| 2022 | $3,633.00 Homeowner's exemption | $243,773 | $347,600 Land $55,000 Building $292,600 |
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 at the parcel |
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) |
|---|---|
| Lumen Technologies 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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