3976 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3976 Eternity Cir, Saint Cloud, FL 34772 · Last verified December 2025

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	2 Individual Names on File
Last Sale	$199,606 (Jun 2013)
Tax Bill	$2,782 (2025)
Deeds & Mortgages	Apr 2023 Mortgage Jul 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`342630009400012530`

Property Details

APN / Parcel Number

Primary APN	`342630009400012530`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,487 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)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3976 ETERNITY CIR
City	SAINT CLOUD
State	FL
Zip	34772-8267
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPRIT PH 3A PB 22 PG 41 LOT 253
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3A
Legal Tract	94
Legal Block	1
Legal Lot Number	253
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009400012530

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	2 Individual Names on File
Mailing Address	3976 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2023	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 31, 2019	Deed of Trust, Mortgage · Line of Credit ADDITION FIN'L CU
Jul 25, 2019	Deed of Trust, Mortgage · Conventional Mortgage ADDITION FIN'L CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2013 · Amount on Record
Deed Sale	Jun 24, 2013 · Amount on Record
Deed Document Number	2013097238
Deed Book / Page	4461 / 1760
Record Updated	Jun 08, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3976 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	May 03, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3976 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0063900849
Date	Apr 18, 2023
Book Page	6390/849
Instrument	2023045843

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3976 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0055690342
Instrument Date	Jul 31, 2019
Transaction Type	Mortgage
Record Updated	Aug 21, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3976 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267

Mortgage

Document Number	0055690342
Date	Aug 06, 2019
Book Page	005569/000342
Instrument	101356

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	420 Months
Due	Aug 05, 2054

Interest

Rate Type	Adjustable Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3976 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0055652160
Instrument Date	Jul 25, 2019
Transaction Type	Mortgage
Record Updated	Aug 15, 2019
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3976 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267

Mortgage

Document Number	0055652160
Date	Jul 31, 2019
Book Page	005565/002160
Instrument	98673

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 30, 2049

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	$2,782.00 (+6.55%) Homeowner's exemption	$198,324 (+5.99%)	$331,500 (+0.39%) Land $78,800 Building $252,700
2023	$2,611.00 (+3.86%) Homeowner's exemption	$187,122 (+3%)	$330,200 (+16.06%) Land $63,000 Building $267,200
2022	$2,514.00 Homeowner's exemption	$181,672	$284,500 Land $57,800 Building $226,700

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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