4034 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4034 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,004 sqft · built 2013
Lot Size	0.21 acres (9,148 sqft)
Owner	2 Individual Names on Record
Last Sale	$183,200 (Apr 2013)
Tax Bill	$3,723 (2025)
Deeds & Mortgages	Oct 2020 Mortgage Oct 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`342630009400012420`

Property Details

APN / Parcel Number

Primary APN	`342630009400012420`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,004 sqft Heated Area
Gross Area	2,820 sqft
1st Floor Area	830 sqft
Upper Floors Area	1,174 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Finished
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	528 sqft
Porch	Finished/Screened Porch
Porch Area	190 sqft
Deck Area	894 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4034 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 242
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3A
Legal Tract	94
Legal Block	1
Legal Lot Number	242
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2024
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	4034 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Oct 12, 2019	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2013 · Amount on Record
Deed Sale	Apr 17, 2013 · Amount on Record
Deed Document Number	2013061448
Deed Book / Page	4428 / 1360
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4034 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4034 ETERNITY CIR, SAINT CLOUD, FL 34772-8269

Mortgage

Document Number	0058090702
Date	Oct 9, 2020
Book Page	5809/702
Instrument	2020135653

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4034 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Document Number	0056111076
Instrument Date	Oct 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	TITLE365 - OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4034 ETERNITY CIR ST CLOUD FL 347728269, ST CLOUD, FL 34772-8269

Mortgage

Document Number	0056111076
Date	Oct 23, 2019
Book Page	005611/001076
Instrument	137753

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 22, 2049

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$3,723.00 (+6.25%) Homeowner's exemption	$250,902 (+5.99%)	$378,600 (+1.09%) Land $75,000 Building $303,600
2023	$3,504.00 (+3.61%) Homeowner's exemption	$236,730 (+3%)	$374,500 (+13.97%) Land $60,000 Building $314,500
2022	$3,382.00 Homeowner's exemption	$229,835	$328,600 Land $55,000 Building $273,600

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

Flood

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 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 68% of the US · above 47% of Florida
Wildfire Likelihood	0.3% 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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