3999 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3999 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,306 sqft · built 2013
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$214,799 (May 2013)
Tax Bill	$3,615 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Mar 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0094-0001-1720`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0094-0001-1720`
Alternative APN	`263034009400011720`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,306 sqft Living Area
Gross Area	3,414 sqft
1st Floor Area	1,859 sqft
Upper Floors Area	447 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	470 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3999 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 172
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3A
Legal Phase	3A
Legal Tract	94
Legal Block	1720
Legal Lot Number	172
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records, as of July 14, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	3999 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 6, 2026	Affidavit, Transfer · VA Mortgage FREEDOM MORTGAGE CORPORATION
Mar 15, 2024	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 22, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2013 · Amount on Record
Deed Sale	May 16, 2013 · Amount on Record
Deed Document Number	201377906
Deed Book / Page	4442 / 2844
Last Transfer Date	Jul 3, 2026
Transfer Doc	0000087787
Record Updated	Sep 20, 2026

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2026
Property Address	3999 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Document Number	0000087787
Book / Page	6998 / 2689
Instrument Date	Jul 3, 2026
Instrument	202687787
Transaction Type	Transfer
Record Updated	Jul 14, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3999 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	0000087788,
Date	Jul 6, 2026
Book Page	6998/2693
Instrument	202687788

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.01%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3999 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Transaction Type	Mortgage
Record Updated	May 16, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3999 ETERNITY CIR, SAINT CLOUD, FL 34772-8268

Mortgage

Document Number	0065660146
Date	Mar 15, 2024
Book Page	6566/146
Instrument	2024034083

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3999 ETERNITY CIR, SAINT CLOUD, FL 34772-8268
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057980978
Date	Sep 22, 2020
Book Page	5798/978
Instrument	2020126901

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	273 Months
Due	Jun 1, 2043

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	$3,615.00 (+6.42%) Homeowner's exemption Widower's exemption	$249,888 (+5.99%)	$396,700 (-0.92%) Land $75,000 Building $321,700
2023	$3,397.00 (+0.92%) Homeowner's exemption Widower's exemption	$235,773 (+3%)	$400,400 (+16.16%) Land $60,000 Building $340,400
2022	$3,366.00 Homeowner's exemption	$228,906	$344,700 Land $55,000 Building $289,700

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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