Osceola County property record for 4020 Eternity Cir, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 2,626 sqft · built 2013 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Jun 2019) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Jun 2019 Sale & Mortgage Mar 2019 Foreclosure |
| Flood Zone | Zone X (minimal risk) |
| APN | 342630009400012220 |
| Primary APN | 342630009400012220 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,626 sqft Heated Area |
| Gross Area | 3,316 sqft |
| 1st Floor Area | 1,048 sqft |
| Upper Floors Area | 1,578 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Finished |
| Garage Area | 462 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 228 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4020 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 222 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 34 |
| Legal Subdivision | ESPRIT |
| Legal Phase | 3A |
| Legal Tract | 94 |
| Legal Block | 1 |
| Legal Lot Number | 222 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 43207 |
Source: Osceola County records · APN 342630009400012220
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 4020 ETERNITY CIR, SAINT CLOUD, FL 34772-8269 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 04, 2019 | Warranty Deed, Transfer NAVY FCU |
| Mar 04, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2019 · Amount on Record |
| Deed Sale | Jun 04, 2019 · Amount on Record |
| Prior Sale | Mar 04, 2019 · Amount on Record |
| Deed Document Number | 2019071690 |
| Deed Book / Page | 5535 / 0252 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 04, 2019 |
| Property Address | 4020 ETERNITY CIR, SAINT CLOUD, FL 34772-8269 |
| Document Number | 0055350252 |
| Book / Page | 005535 / 000252 |
| Instrument Date | May 31, 2019 |
| Instrument | 71690 |
| Transaction Type | Transfer |
| Record Updated | Jun 21, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,960.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 4020 ETERNITY CIR ST CLOUD FL 347728269, ST CLOUD, FL 34772-8269 |
| Document Number | 55350253 |
|---|---|
| Date | Jun 04, 2019 |
| Book Page | 005535/000253 |
| Instrument | 71691 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jun 03, 2049 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 04, 2019 |
| Property Address | 4020 ETERNITY CIR, SAINT CLOUD, FL 34772-8269 |
| Document Number | 0054851407 |
| Book / Page | 005485 / 001407 |
| Instrument Date | Feb 19, 2019 |
| Instrument | 27064 |
| Transaction Type | Foreclosure |
| Record Updated | Mar 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,445.50 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 117B BROADWAY KISSIMMEE FL 347415713, KISSIMMEE, FL 34741-5713 |
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 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $270,599 (+5.99%) | $402,200 (-0.96%) Land $75,000 Building $327,200 |
| 2023 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $255,314 (+3%) | $406,100 (+21.08%) Land $60,000 Building $346,100 |
| 2022 | $4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $247,878 | $335,400 Land $55,000 Building $280,400 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| 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 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.
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.
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 |
| 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.
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