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Overview

4 bd2 ba1,859 sqft2 car garageSingle Family
TypeSingle Family
HOA$510/yr
Built2014
Lot7,405 sqft
Living area1,859 sqft
Price / sqft$199
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)MicrowaveRangeRefrigeratorWater Softener

3942 Eternity Cir is a 2014-built home in Esprit Ph 3b, St Cloud. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,859 square feet of living space. Listed at $370,000 (about $199/sqft), 54 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $510 semi-annually.

From the listing

Welcome to Saint Cloud, Florida! This well-appointed 4-bedroom, 2-bath home with a 2-car garage features the popular Boca Raton floorplan with a comfortable layout and several thoughtful upgrades throughout. The kitchen offers Silestone countertops, a center island, upgraded cabinetry, and a stylish backsplash, with an open connection to the main living area. Additional interior features include tile flooring throughout, including all bedrooms, crown molding, ceiling fans, and lighting in every closet. One of the highlights is the expansive 10' x 40' covered lanai, providing plenty of additional space to enjoy Florida's outdoor lifestyle. The covered front porch and fully fenced backyard add even more usable outdoor space. Additional features include a water softener and newer water heater. The Seller also intends to leave the mounted living room TV, couch, and most of the outdoor furniture, offering some added convenience for the next owner. Located in Saint Cloud, this home brings together a functional floorplan, generous indoor and outdoor living areas, and upgrades already in place. Take a closer look and see if this could be the home you've been searching for. Schedule your private showing today!

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The essentials

Built
2014
Price / sqft
$199
On market
54 days
Annual tax
$4,273
HOA
$510/yr
Flood zone
X · Low risk
Lot
7,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 2014
2 car garage
7,405 sqft lot
Lot size
1,859 sqft
Living area

Payment

Est. monthly payment
$2,514/mo
Down payment (20%)
$74,000
Property taxes
$356/mo
HOA
$510/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2014
Lot
7,405 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
54
Ceiling Fans(s)
Microwave
Range
Refrigerator
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,273
Parcel #
34-26-30-0095-0001-2840

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 Ph 3b
County
Osceola
MLS Area
34772 - St Cloud (Narcoossee Road)
Lot Size
7,405 sqft
HOA
$510/yr
Esprit Homeowners Association

Price history

Date
Event
Price
9/9/2026
Price change
Source: Stellar MLS #S5156056
$370,000-2.6%
$199/sqft
8/22/2026
Listed for sale
Source: Stellar MLS #S5156056
$379,900
$204/sqft

Neighborhood

3942 Eternity Cir
St Cloud, FL, 34772 · 34772 - St Cloud (Narcoossee Road)

Market insights

Offer Insights

Choose an offer strength

List price: $370,000
$367,500 – $370,000
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 54 after a $9,900 cut.

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

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Calculator

Est. monthly payment
$2,514/mo
Principal & interest$1,930
Property taxes$356
Insurance$185
HOA$43
Down payment20% · $74,000
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

$370,000

$199 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,859 sq ft

Time on market

54 days

Year built

2014

Monthly payment

About $2,514/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,273 annual tax bill, insurance, and the $510/yr HOA fee.

HOA fee

$510/yr

Managed by Esprit Homeowners Association.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byRADIUS REALTY GROUP LLCListing agent: Geoffrey Lopez, IIListing data from Stellar MLS, MLS# S5156056.

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