Osceola County property record for 3979 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,510 sqft · built 2015 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $213,670 (Jul 2016) |
| Tax Bill | $4,604 (2025) |
| Deeds & Mortgages | Aug 2023 Mortgage Oct 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0094-0001-1820 |
| Primary APN | 34-26-30-0094-0001-1820 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,510 sqft Living Area |
| Gross Area | 2,098 sqft |
| 1st Floor Area | 1,510 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 168 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3979 ETERNITY CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8268 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3A PB 22 PG 41-43 LOT 182 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3A |
| Legal Phase | 3A |
| Legal Tract | 94 |
| Legal Block | 1820 |
| Legal Lot Number | 182 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 34-26-30-0094-0001-1820
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 | Individual Name on File |
|---|---|
| Mailing Address | 3400 EL TORO DR, LAKE HAVASU CITY, AZ 86406-4148 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2023 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 10, 2022 | Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION |
| Oct 10, 2017 | Deed of Trust, Mortgage · FHA Mortgage MONEY SOURCE (NY) INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 19, 2016 · Amount on Record |
| Deed Sale | Jul 19, 2016 · Amount on Record |
| Prior Sale | Jun 01, 2016 · Amount on Record |
| Deed Document Number | 2016110331 |
| Deed Book / Page | 4995 / 978 |
| Last Transfer Date | Sep 27, 2022 |
| Transfer Doc | 0062970829 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3979 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Transaction Type | Mortgage |
| Record Updated | Sep 01, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3979 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0064602994 |
|---|---|
| Date | Aug 21, 2023 |
| Book Page | 6460/2994 |
| Instrument | 2023109593 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 10, 2022 |
| Property Address | 3979 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0062970829 |
| Book / Page | 6297 / 829 |
| Map Reference | MB 22 PG 41-43 |
| Instrument Date | Sep 27, 2022 |
| Instrument | 2022150295 |
| Transaction Type | Transfer |
| Record Updated | Oct 25, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3400 EL TORO DR, 3400, LAKE HAVASU CITY, AZ 86406-4148 |
| Name | Verified Name |
|---|---|
| Address | 3400 EL TORO DR, LAKE HAVASU CITY, AZ 86406-4148 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3979 ETERNITY CIR, SAINT CLOUD, FL 34772-8268 |
| Document Number | 0052252864 |
| Book / Page | 005225 / 002864 |
| Instrument Date | Oct 10, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Nov 14, 2017 |
| Title Company | LAWYERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 3979 ETERNITY CIR ST CLOUD FL 347728268, ST CLOUD, FL 34772-8268 |
| Document Number | 0052252864 |
|---|---|
| Date | Oct 18, 2017 |
| Book Page | 005225/002864 |
| Instrument | 149484 |
| Name | MONEY SOURCE (NY) INC |
|---|---|
| Address | MELVILLE, NY 11747 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 17, 2047 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $4,604.00 (+3.23%) Homeowner's exemption | $300,100 (+0.7%) Land $75,000 Building $225,100 | $300,100 (+0.7%) Land $75,000 Building $225,100 |
| 2024 | $4,460.00 (-3.19%) | ||
| 2023 | $4,607.00 (-27.67%) Homeowner's exemption | $298,000 (+15.95%) Land $60,000 Building $238,000 | $298,000 (+15.95%) Land $60,000 Building $238,000 |
| 2022 | $6,369.00 | $257,000 Land $55,000 Building $202,000 | $257,000 Land $55,000 Building $202,000 |
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
| 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 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.
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.
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 |
| 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.
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