4021 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4021 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	0.26 acres (11,325 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jun 2018)
Tax Bill	$4,338 (2025)
Deeds & Mortgages	Mar 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`34-26-30-0094-0001-1610`

Property Details

APN / Parcel Number

Primary APN	`34-26-30-0094-0001-1610`
Alternative APN	`263034009400011610`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Living Area
Gross Area	2,817 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	11,325 sqft (0.26 acres)
Garage Type	Attached
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	520 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	4021 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 161
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT PH 3A
Legal Phase	3A
Legal Tract	94
Legal Block	1610
Legal Lot Number	161
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

4021 Eternity Cir is owned and occupied by two individuals who bought it in June 2018.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	4021 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · FHA Mortgage CALIBER HM LOANS
Jun 12, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2018 · Amount on File
Deed Sale	Jun 12, 2018 · Amount on File
Prior Sale	Mar 8, 2013 · Amount on File
Deed Document Number	201890542
Deed Book / Page	5348 / 2637
Prior Transfer Date	Mar 1, 2015
Prior Transfer Doc	0047422399
Record Updated	Jun 8, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4021 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0057022984
Instrument Date	Mar 23, 2020
Transaction Type	Mortgage
Record Updated	Jun 8, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4021 ETERNITY CIR ST CLOUD FL 347728270, ST CLOUD, FL 34772-8270

Mortgage

Document Number	0057022984
Date	Apr 2, 2020
Book Page	005702/002984
Instrument	46313

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 12, 2018
Property Address	4021 ETERNITY CIR, SAINT CLOUD, FL 34772-8270
Document Number	0053482637
Book / Page	005348 / 002637
Instrument Date	Jun 4, 2018
Instrument	90542
Transaction Type	Transfer
Record Updated	Jul 5, 2018
Title Company	ARTESIAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,680.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4021 ETERNITY CIR ST CLOUD FL 347728270, ST CLOUD, FL 34772-8270

Mortgage

Document Number	53482639
Date	Jun 12, 2018
Book Page	005348/002639
Instrument	90543

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 11, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 4021 Eternity Cir was $4,338 with a homeowner's exemption, up 6.6% from the year before.

Source: Osceola County assessment roll, as of November 26, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,338.00 (+6.58%) Homeowner's exemption	$290,712	$341,000 Land $75,000 Building $266,000
2024	$4,070.00 (+8.42%)
2023	$3,754.00 (+9.67%) Homeowner's exemption	$275,469 (+10.59%)	$333,100 (+16.18%) Land $60,000 Building $273,100
2022	$3,423.00 Homeowner's exemption	$249,097	$286,700 Land $55,000 Building $231,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 4021 Eternity Cir in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2017.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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.

Wildfire

Wildfire risk around 4021 Eternity Cir is high, ranking above 72% of the US, with a 0.4% annual chance of wildfire.

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.

Drinking Water

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

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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

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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