3989 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3989 Eternity Cir, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,677 sqft · built 2013
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$343,000 (Jun 2026)
Tax Bill	$5,635 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0094-0001-1770`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0094-0001-1770`
Alternative APN	`263034009400011770`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,677 sqft Living Area
Gross Area	2,267 sqft
1st Floor Area	1,677 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	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 63 ft wide
Garage Type	Attached
Garage Area	450 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3989 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 177
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3A
Legal Phase	3A
Legal Tract	94
Legal Block	1770
Legal Lot Number	177
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 34-26-30-0094-0001-1770

Assessment roll updated November 26, 2025 · Last verified July 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 File
Mailing Address	3989 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 18, 2026 · Amount on Record
Deed Sale	Jun 18, 2026 · Amount on Record
Prior Sale	Aug 26, 2024 · Amount on Record
Deed Document Number	202679979
Deed Book / Page	6989 / 2342
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 18, 2026
Property Address	3989 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number	0000079979
Book / Page	6989 / 2342
Instrument Date	Jun 17, 2026
Instrument	202679979
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	COVE TITLE SERVICES, CORE TITLE SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$242,501.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3989 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	0000079980,
Date	Jun 18, 2026
Instrument	202679980

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.37%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

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	$5,635.00 (+126.21%)	$314,600 (+74.3%) Land $75,000 Building $239,600	$314,600 (+0.35%) Land $75,000 Building $239,600
2023	$2,491.00 (+3.88%) Homeowner's exemption	$180,496 (+3%)	$313,500 (+15.81%) Land $60,000 Building $253,500
2022	$2,398.00 Homeowner's exemption	$175,239	$270,700 Land $55,000 Building $215,700

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 57 of 66 on primary residences
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 73% of the US · above 57% of Florida
Wildfire Likelihood	About 1 in 240 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.