4003 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4003 Eternity Cir, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,662 sqft · built 2013
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$103,093 (Jul 2019)
Tax Bill	$4,602 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Sep 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0094-0001-1700`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0094-0001-1700`
Alternative APN	`263034009400011700`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,662 sqft Living Area
Gross Area	3,461 sqft
1st Floor Area	2,662 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	10,454 sqft (0.24 acres)
Garage Type	Attached
Garage Area	447 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	100 sqft
Porch	Finished/Open Porch
Porch Area	352 sqft
Deck Area	1,060 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4003 ETERNITY CIR
City	SAINT CLOUD
State	FL
Zip	34772-8270
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ESPRIT PH 3A PB 22 PG 41-43 LOT 170
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3A
Legal Phase	3A
Legal Tract	94
Legal Block	1700
Legal Lot Number	170
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 34-26-30-0094-0001-1700

Assessment roll updated November 26, 2025 · Last verified August 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	4003 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants by the Entirety

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2021	Quit Claim Deed, Transfer · Conventional Mortgage QUICKEN LOANS LLC
Sep 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
Jul 08, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Aug 25, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 08, 2019 · Amount on Record
Deed Sale	Jul 08, 2019 · Amount on Record
Prior Sale	Oct 15, 2013 · Amount on Record
Deed Document Number	201987249
Deed Book / Page	5553 / 453
Last Transfer Date	Jun 04, 2021
Transfer Doc	0060320947
Record Updated	Sep 20, 2026

August 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2021
Property Address	4003 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0060320947
Book / Page	6032 / 947
Map Reference	MB 22 PG 41-43
Instrument Date	Jun 04, 2021
Instrument	2021134147
Transaction Type	Transfer
Record Updated	Sep 15, 2021
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	132 FRANCONIAN DR S, 132, FRANKENMUTH, MI 48734-1010

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	4003 ETERNITY CIR, SAINT CLOUD, FL 34772-8270

Mortgage

Document Number	6032954
Date	Aug 30, 2021
Instrument	6032/954

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 01, 2051

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4003 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0056030675
Instrument Date	Sep 26, 2019
Transaction Type	Mortgage
Record Updated	Oct 28, 2019
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 FRANCONIAN DR S FRANKENMUTH MI 487341010, FRANKENMUTH, MI 48734-1010

Mortgage

Document Number	0056030675
Date	Oct 10, 2019
Book Page	005603/000675
Instrument	130620

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 09, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 08, 2019
Property Address	4003 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0055530453
Book / Page	005553 / 000453
Instrument Date	Jul 05, 2019
Instrument	87249
Transaction Type	Transfer
Record Updated	Jul 24, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$721.70
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4003 ETERNITY CIR ST CLOUD FL 347728270, ST CLOUD, FL 34772-8270

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4003 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0052092283
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	132 FRANCONIAN DR S FRANKENMUTH MI 487341010, FRANKENMUTH, MI 48734-1010

Mortgage

Document Number	0052092283
Date	Sep 19, 2017
Book Page	005209/002283
Instrument	132565

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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	$4,602.00 (+3.44%) Homeowner's exemption	$300,015 (+5.99%)	$412,200 (-4.76%) Land $75,000 Building $337,200
2024	$4,449.00 (+2.54%)
2023	$4,339.00 (+12.58%) Homeowner's exemption	$283,068 (+10.58%)	$432,800 (+21.81%) Land $60,000 Building $372,800
2022	$3,854.00 Homeowner's exemption	$255,989	$355,300 Land $55,000 Building $300,300

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 376 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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