4040 Eternity Cir, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4040 Eternity Cir, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,226 sqft · built 2018
Lot Size	0.169 acres (7,405 sqft)
Owner	Company Name on Record
Last Sale	$271,200 (Jul 2018)
Tax Bill	$4,040 (2025)
Deeds & Mortgages	Oct 2021 Second Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`342630009400012390`

Property Details

APN / Parcel Number

Primary APN	`342630009400012390`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,226 sqft Heated Area
Gross Area	3,057 sqft
1st Floor Area	941 sqft
Upper Floors Area	1,285 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	415 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	256 sqft
Patio Area	160 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	4040 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 239
Legal Range	30E
Legal Township	26S
Legal Section	34
Legal Subdivision	ESPRIT
Legal Phase	3A
Legal Tract	94
Legal Block	1
Legal Lot Number	239
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	Company Name on Record
Mailing Address	4040 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC
Jul 10, 2018	Deed of Trust, Mortgage · FHA Mortgage EAGLE HM MTG
Jul 13, 2018	Grant Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2018 · Amount on Record
Deed Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	2018107578
Deed Book / Page	5366 / 2562
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4040 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Transaction Type	Mortgage
Record Updated	Oct 25, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4040 ETERNITY CIR, SAINT CLOUD, FL 34772-8269

Mortgage

Document Number	0060601409
Date	Oct 7, 2021
Book Page	6060/1409
Instrument	2021155978

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Sep 1, 2051

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4040 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Document Number	0053662564
Instrument Date	Jul 10, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NORTH AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6324 RALEIGH ST #714 ORLANDO FL 328355611, 714, ORLANDO, FL 32835-5611

Mortgage

Document Number	0053662564
Date	Jul 13, 2018
Book Page	005366/002564
Instrument	107579

Lender

Name	EAGLE HM MTG
Type	Mortgage Company
Address	MIAMI, FL 33172-3139

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2048

July 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 13, 2018
Property Address	4040 ETERNITY CIR, SAINT CLOUD, FL 34772-8269
Document Number	0053662562
Book / Page	005366 / 002562
Instrument Date	Jul 10, 2018
Instrument	107578
Transaction Type	Transfer
Record Updated	Dec 18, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,898.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	444 W NEW ENGLAND AVE #220 WINTER PARK FL 327894376, 220, WINTER PARK, FL 32789-4376
Investor	Possibly a Property Investor

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	$4,040.00 (+6.18%) Homeowner's exemption	$268,592 (+5.99%)	$378,800 (-0.24%) Land $78,800 Building $300,000
2023	$3,805.00 (+3.57%) Homeowner's exemption	$253,421 (+3%)	$379,700 (+16.05%) Land $63,000 Building $316,700
2022	$3,674.00 Homeowner's exemption	$246,040	$327,200 Land $57,800 Building $269,400

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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