Osceola County property record for 4005 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2013 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $258,000 (Jul 2020) |
| Tax Bill | $2,966 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Jul 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 34-26-30-0094-0001-1690 |
| Primary APN | 34-26-30-0094-0001-1690 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,487 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 438 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
|---|---|
| Porch Area | 310 sqft |
| Patio Area | 200 sqft |
| Shed | 1 Shed |
| Shed Area | 42 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4005 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 169 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT PH 3A |
| Legal Phase | 3A |
| Legal Tract | 94 |
| Legal Block | 1690 |
| Legal Lot Number | 169 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records, as of May 21, 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 | 4005 ETERNITY CIR, SAINT CLOUD, FL 34772-8270 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 4, 2023 | Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC |
| Jul 28, 2020 | Warranty Deed, Transfer · VA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2020 · Amount on Record |
| Deed Sale | Jul 28, 2020 · Amount on Record |
| Prior Sale | Apr 2, 2013 · Amount on Record |
| Deed Document Number | 202098496 |
| Deed Book / Page | 5763 / 1334 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4005 ETERNITY CIR, SAINT CLOUD, FL 34772-8270 |
| Transaction Type | Mortgage |
| Record Updated | May 24, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4005 ETERNITY CIR, SAINT CLOUD, FL 34772-8270 |
| Document Number | 0064001903 |
|---|---|
| Date | May 4, 2023 |
| Book Page | 6400/1903 |
| Instrument | 2023055753 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 28, 2020 |
| Property Address | 4005 ETERNITY CIR, SAINT CLOUD, FL 34772-8270 |
| Document Number | 0057631334 |
| Book / Page | 5763 / 1334 |
| Map Reference | MB 22 PG 41 |
| Instrument Date | Jul 27, 2020 |
| Instrument | 2020098496 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,806.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2078 LIVE OAK BLVD, 2078, SAINT CLOUD, FL 34771-8441 |
| Name | Verified Name |
|---|---|
| Address | 4005 ETERNITY CIR, SAINT CLOUD, FL 34772-8270 |
| Document Number | 0057631335 |
|---|---|
| Date | Jul 28, 2020 |
| Instrument | 5763/1335 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2050 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,966.00 (+3.6%) Homeowner's exemption | $208,593 (+5.99%) | $335,300 (-) Land $75,000 Building $260,300 |
| 2024 | $2,863.00 (+2.8%) | ||
| 2023 | $2,785.00 (+3.76%) Homeowner's exemption | $196,811 (+3%) | $335,300 (+16.02%) Land $60,000 Building $275,300 |
| 2022 | $2,684.00 Homeowner's exemption | $191,079 | $289,000 Land $55,000 Building $234,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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