Osceola County property record for 3975 Eternity Cir, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2013 |
| Square Footage | 1,859 sqft Heated Area |
| Lot Size | 7,405 sqft (0.169 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $240,000 (2018) |
| Tax Bill | $3,340.00 (2025) |
| Primary APN | 342630009400011840 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,859 sqft Heated Area |
| Gross Area | 2,487 sqft Gross Area |
| 1st Floor | 1,859 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,405 sqft (0.169 acres) |
| Depth X Width | 120 ft x 63 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 438 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 190 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 3975 ETERNITY CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8268 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3A PB 22 PG 41-43 LOT 184 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3A |
| Legal Tract | 94 |
| Legal Block | 1 |
| Legal Lot Number | 184 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009400011840
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 |
|---|---|
| Mailing Address | 3975 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 17, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FBC MORTGAGE LLC |
| Jul 20, 2018 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage LOANFLIGHT LNDG LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 20, 2018 · Amount on Record |
| Deed Sale | Jul 20, 2018 · Amount on Record |
| Prior Sale | Dec 05, 2013 · Amount on Record |
| Deed Doc Number | 0005371660 |
| Deed Book / Page | 5371 / 660 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3975 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | CLEAR TITLE OF FLORIDA LLC |
| Name | Verified Name |
|---|
| Document Number | 0057742899 |
|---|---|
| Date | Aug 17, 2020 |
| Book Page | 5774/2899 |
| Instrument | 2020107727 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 20, 2018 |
| Property Address | 3975 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0053710660 |
| Book / Page | 005371 / 000660 |
| Instrument Date | Jul 20, 2018 |
| Instrument | 111734 |
| Transaction Type | Transfer |
| Record Updated | Mar 28, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,680.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3975 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Number | 53710661 |
|---|---|
| Date | Jul 20, 2018 |
| Book Page | 005371/000661 |
| Instrument | 111735 |
| Name | LOANFLIGHT LNDG LLC |
|---|---|
| Address | TAMPA, FL 33607 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 19, 2048 |
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 | $3,340.00 (+6.34%) Homeowner's exemption | $229,512 (+5.99%) | $330,700 (+0.09%) Land $75,000 Building $255,700 |
| 2023 | $3,141.00 (+3.7%) Homeowner's exemption | $216,548 (+3%) | $330,400 (+16.01%) Land $60,000 Building $270,400 |
| 2022 | $3,029.00 Homeowner's exemption | $210,241 | $284,800 Land $55,000 Building $229,800 |
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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