3986 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3986 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2013
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,218 (Sep 2013)
Tax Bill	$2,935 (2025)
Deeds & Mortgages	Mar 2026 Second Mortgage Mar 2024 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0094-0001-2480`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0094-0001-2480`
Alternative APN	`263034009400012480`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Living Area
Gross Area	2,687 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	190 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3986 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 248
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3A
Legal Phase	3A
Legal Tract	94
Legal Block	2480
Legal Lot Number	248
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 March 30, 2026

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 Record
Mailing Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU
Mar 7, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FAIRWINDS CU
Dec 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP
Feb 3, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2013 · Amount on Record
Deed Sale	Sep 23, 2013 · Amount on Record
Deed Document Number	2013150845
Deed Book / Page	4506 / 1091
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Mar 30, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0069391164
Date	Mar 18, 2026
Book Page	6939/1164
Instrument	2026035890

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 16, 2046

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Mar 28, 2024
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0065611583
Date	Mar 7, 2024
Book Page	6561/1583
Instrument	2024030012

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	3087 N ALAFAYA TRL, ORLANDO, FL 32826

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 5, 2039

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Dec 21, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267

Mortgage

Document Number	0060972258
Date	Dec 1, 2021
Book Page	6097/2258
Instrument	2021185291

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3986 ETERNITY CIR, SAINT CLOUD, FL 34772-8267
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056680730
Date	Feb 3, 2020
Book Page	5668/0730
Instrument	2020016649

Lender

Name	AMERISAVE MORTGAGE CORP
Type	Mortgage Company
Address	ATLANTA, GA 30305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2035

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,935.00 (+3.6%) Homeowner's exemption	$206,900 (+5.99%)	$337,600 (-0.06%) Land $75,000 Building $262,600
2024	$2,833.00 (+2.79%)
2023	$2,756.00 (+3.77%) Homeowner's exemption	$195,213 (+3%)	$337,800 (+15.96%) Land $60,000 Building $277,800
2022	$2,656.00 Homeowner's exemption	$189,528	$291,300 Land $55,000 Building $236,300

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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