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Overview

4 bd2 ba1,859 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,020/yr
Built2013
Lot7,000 sqft
Living area1,859 sqft
Price / sqft$196
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboOpen FloorplanSolid Surface CountersSolid Wood Cabinets

3969 Eternity Cir is a 2013-built home in Esprit, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,859 square feet of living space. Listed at $365,000 (about $196/sqft), 79 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,020 annually.

From the listing

Virtually Staged. Motivated Seller! **Move-in ready 4 bedroom, 2 bathroom home in the desirable Esprit community with no rear neighbors!** This well-maintained home features **brand new luxury vinyl plank flooring (June 2026)** and a bright open floor plan with a split bedroom layout. **The standout feature is the custom-built outdoor kitchen,** complete with a **wood-fired brick pizza oven, built-in sink, and prep space,** making it the perfect space for entertaining. The **screened lanai, fully fenced backyard, and no rear neighbors** provide privacy and room to enjoy Florida living. Inside, the kitchen offers **granite countertops, a large island with seating, pantry, recessed lighting, and all appliances included.** The open layout flows seamlessly into the living and dining areas. The spacious primary suite features a walk-in closet, garden tub, and separate walk-in shower, while three additional bedrooms provide flexibility for family, guests, or a home office. Built by Ryland Homes with energy-efficient features, this home also includes a **2013 roof, 2013 HVAC, and 2020 water heater.** Residents of Esprit enjoy a **community pool, playground, walking trails, low HOA,** and convenient access to Florida's Turnpike, shopping, dining, and Orlando attractions. **Schedule your private showing today!**

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The essentials

Built
2013
Price / sqft
$196
On market
79 days
Annual tax
$5,706
HOA
$1,020/yr
Flood zone
X · Low risk
Lot
7,000 sqft
Type
Single Family Residence

At a glance

Single family
Built 2013
Community pool
Shared amenity
2 car garage
Covered
7,000 sqft lot
Lot size
1,859 sqft
Living area

Payment

Est. monthly payment
$2,647/mo
Down payment (20%)
$73,000
Property taxes
$476/mo
HOA
$1,020/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2013
Lot
7,000 sqft
Cooling
Central Air
Heating
Central
Parking
Covered, Curb Parking, Driveway, Garage Door Opener, Off Street, On Street, Parking Pad
Days on Market
79
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Open Floorplan
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Lighting
Outdoor Grill
Outdoor Kitchen
Sidewalk
Deed Restrictions
Pool
Street Lights
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Trash Compactor
Elementary
Hickory Tree Elem
Middle
St. Cloud Middle (6-8)
High
Harmony High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,706
Parcel #
34-26-30-0095-0001-1870

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Esprit
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,000 sqft
Conservation AreaIn CountyLevelOversized LotSidewalkPaved
HOA
$1,020/yr
Access Mgmt~ Stephanie DiDomenico

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #S5154335
$365,000-1.4%
$196/sqft
7/28/2026
Listed for sale
Source: Stellar MLS #S5154335
$370,000
$199/sqft

Neighborhood

3969 Eternity Cir
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $365,000
$362,500 – $365,000
99.5% – 100% of listTops out right at the list price
80% of listList price
240 of the last 388 home closings in 34772 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 79 after a $5,000 cut.

Sample: 388 closed home sales in 34772 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,647/mo
Principal & interest$1,904
Property taxes$476
Insurance$183
HOA$85
Down payment20% · $73,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$365,000

$196 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,859 sq ft

Time on market

79 days

Year built

2013

Monthly payment

About $2,647/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,706 annual tax bill, insurance, and the $1,020/yr HOA fee.

HOA fee

$1,020/yr

Managed by Access Mgmt~ Stephanie DiDomenico.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byKELLER WILLIAMS LEGACY REALTYListing agent: Lily ChandlerListing data from Stellar MLS, MLS# S5154335.

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