Osceola County property record for 4010 Eternity Cir, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2013 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $216,493 (Jul 2014) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009400012270 |
| Primary APN | 342630009400012270 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,859 sqft Heated Area |
| Gross Area | 2,473 sqft Gross Area |
| 1st Floor Area | 1,859 sqft 1st Floor |
| Stories | 1 Story |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Lot Dimensions | 120 ft deep x 63 ft wide |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished |
| Garage Area | 438 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 100 sqft Shed |
| Porch | Open Porch |
| Porch Area | 176 sqft Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4010 ETERNITY CIR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8269 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ESPRIT PH 3A PB 22 PG 41-43 LOT 227 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3A |
| Legal Tract | 94 |
| Legal Block | 1 |
| Legal Lot Number | 227 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009400012270
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 4010 ETERNITY CIR, SAINT CLOUD, FL 34772-8269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 10, 2020 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Feb 23, 2017 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 24, 2014 · Amount on Record |
| Deed Sale | Jul 24, 2014 · Amount on Record |
| Deed Document Number | 2014105169 |
| Deed Book / Page | 4640 / 2065 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4010 ETERNITY CIR, SAINT CLOUD, FL 34772-8269 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058482442 |
|---|---|
| Date | Dec 10, 2020 |
| Book Page | 5848/2442 |
| Instrument | 2020167790 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4010 ETERNITY CIR, SAINT CLOUD, FL 34772-8269 |
| Document Number | 0051112493 |
| Book / Page | 005111 / 002493 |
| Instrument Date | Feb 23, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2017 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4010 ETERNITY CIR ST CLOUD FL 347728269, ST CLOUD, FL 34772-8269 |
| Document Number | 0051112493 |
|---|---|
| Date | Mar 06, 2017 |
| Book Page | 005111/002493 |
| Instrument | 34514 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 05, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4.00 (-99.85%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $211,907 (+5.99%) | $328,200 (+0.12%) Land $75,000 Building $253,200 |
| 2023 | $2,661.00 (+0.83%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $199,937 (+3%) | $327,800 (+16.12%) Land $60,000 Building $267,800 |
| 2022 | $2,639.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $194,114 | $282,300 Land $55,000 Building $227,300 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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