3984 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3984 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,510 sqft · built 2017
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$234,882 (Mar 2018)
Tax Bill	$2,735 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jun 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`342630009400012490`

Property Details

APN / Parcel Number

Primary APN	`342630009400012490`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,510 sqft Heated Area
Gross Area	2,368 sqft
1st Floor Area	1,510 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	438 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3984 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 41-43 LOT 249
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3A
Legal Tract	94
Legal Block	1
Legal Lot Number	249
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	3984 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 1, 2019	Deed of Trust, Mortgage · VA Mortgage CLEARPATH LNDG
Mar 12, 2018	Special Warranty Deed, Transfer · VA Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 12, 2018 · Amount on Record
Deed Sale	Mar 12, 2018 · Amount on Record
Deed Document Number	2018040347
Deed Book / Page	5299 / 1498
Record Updated	Jun 8, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3984 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Aug 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3984 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0062570962
Date	Jul 25, 2022
Book Page	6257/962
Instrument	2022114024

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	DENVER, CO 80249

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Jan 1, 2052

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3984 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0055401352
Instrument Date	Jun 1, 2019
Transaction Type	Mortgage
Record Updated	Jun 26, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3984 ETERNITY CIR ST CLOUD FL 347728267, ST CLOUD, FL 34772-8267

Mortgage

Document Number	0055401352
Date	Jun 13, 2019
Book Page	005540/001352
Instrument	76286

Lender

Name	CLEARPATH LNDG
Address	IRVINE, CA 92618

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 12, 2047

March 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 12, 2018
Property Address	3984 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Document Number	0052991498
Book / Page	5299 / 1498
Map Reference	MB22 PG41-43
Instrument Date	Mar 9, 2018
Instrument	2018040347
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLADN AVE220, 444, WINTER PARK, FL 32789

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3984 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	2018040348
Date	Mar 12, 2018
Instrument	2018040348

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,735.00 (+6.59%) Homeowner's exemption	$195,712 (+5.99%)	$306,000 (+0.69%) Land $75,000 Building $231,000
2023	$2,566.00 (+3.84%) Homeowner's exemption	$184,658 (+3%)	$303,900 (+15.99%) Land $60,000 Building $243,900
2022	$2,471.00 Homeowner's exemption	$179,280	$262,000 Land $55,000 Building $207,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 72% of the US · above 56% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 376 locations within half a mile, as of December 31, 2025

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: CenturyLink.

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