4011 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4011 Eternity Cir, Saint Cloud, FL 34772

Property Summary

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	$420,000 (Jul 2022)
Tax Bill	$5,167 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`342630009400011660`

Property Details

APN / Parcel Number

Primary APN	`342630009400011660`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,487 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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
Garage Type	Finished

Exterior Amenities

Porch	Open Porch
Fence	Fence
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4011 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 166
Legal Subdivision	ESPRIT
Legal Phase	3A
Legal Lot Number	166
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 342630009400011660

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	4011 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 01, 2022 · Amount on Record
Deed Sale	Jul 01, 2022 · Amount on Record
Prior Sale	Jul 23, 2013 · Amount on Record
Deed Document Number	2022102591
Deed Book / Page	6243 / 2879
Record Updated	Jun 08, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 01, 2022
Property Address	4011 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0062432879
Book / Page	6243 / 2879
Map Reference	MB 22 PG 41-43
Instrument Date	Jun 30, 2022
Instrument	2022102591
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,940.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4011 ETERNITY CIR, SAINT CLOUD, FL 34772-8270

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4011 ETERNITY CIR, SAINT CLOUD, FL 34772-8270

Mortgage

Document Number	0062432881
Date	Jul 01, 2022
Instrument	6243/2881

Lender

Name	HOME ACCESS FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,167.00 (-0.84%) Homeowner's exemption	$331,600 (+0.03%) Land $75,000 Building $256,600	$331,600 (+0.03%) Land $75,000 Building $256,600
2023	$5,211.00 (+104.43%) Homeowner's exemption	$331,500 (+80.56%) Land $60,000 Building $271,500	$331,500 (+16.07%) Land $60,000 Building $271,500
2022	$2,549.00 Homeowner's exemption	$183,596	$285,600 Land $55,000 Building $230,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

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

Wildfire

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 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 as of December 31, 2025 · Last verified October 2026

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: Lumen Technologies.

Based on FCC filings for 376 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.