3906 ETERNITY CIRCLE, ST CLOUD, FL, 34772
Active1 days on marketListed Jul 27, 2026MLS #S5153809
Come see it
Upcoming open house
Sun, Aug 2
12:00 PM – 5:00 PM
Realtor Jazbyl Rosa 407-267-1876, jazbylrosa@gmail.com with Real Broker, LLC. -
About this home
3906 ETERNITY CIRCLE
STUNNING WATERFRONT HOME IN ESPRIT! Don't miss this beautifully maintained, 2017-built single-family home offering 4 spacious bedrooms, 2 full baths, and an attached 2-car garage. This home features the popular Boca Raton open-concept floor plan. The Great Room is a massive, seamless open-concept space that combines the family living room and dining room areas for a perfect family or entertaining area. The chef-inspired kitchen boasts gleaming granite countertops, stainless steel appliances, a huge breakfast bar island, and a walk-in closet pantry. Step through the sliding doors out to your private covered rear porch and take in the relaxing, uninterrupted pond view. The private primary suite functions as a true retreat, offering a tiled glass shower stall, double sinks, and a large walk-in closet. Three additional rooms share a second hall bath equipped with a double-sink vanity. Located in the amenity-rich Esprit neighborhood with a community pool and playground, you are minutes away from local schools, shopping centers, and the Florida Turnpike. Schedule your private tour today and start living the Florida dream!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,859
Sqft
0.18 ac
Lot size
2
Garage
2017
Year built
One
Levels
$199
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,071 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,071/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.6%
$/sqft vs St Cloud actives
$199 vs $220
Days on market
1 vs 33 typical
Where $199/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Esprit, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,369/mo median
Live St Cloud rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Esprit
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Esprit is a short-term-rental community. See the full guide →
ST CLOUD 34772 — neighborhood snapshot
Population
33,542
Median age
39.9
Median income
$86,900
Median home value
$352,400
Avg household
3.05
Households w/ children
4,027
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
193 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 3906 ETERNITY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$375,000
3968 ETERNITY CIRCLE · same community
4 bd · 2 ba · 2,064 sqft · $182/sqft · 127 DOM
Sold · May ’26$370,000
3933 WIND DANCER CIRCLE
4 bd · 2 ba · 1,859 sqft · $199/sqft · 20 DOM
Sold · Jul ’26$420,000
3951 WIND DANCER CIRCLE
4 bd · 2 ba · 1,859 sqft · $226/sqft · 28 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3906 ETERNITY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3906 ETERNITY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3906 ETERNITY CIRCLE FAQs
What would the monthly payment be for 3906 ETERNITY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,071/mo — principal and interest, the actual property-tax bill, the $85/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3906 ETERNITY CIRCLE?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3906 ETERNITY CIRCLE?+
The most recent tax bill on record (2025) was $5,807. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3906 ETERNITY CIRCLE be rented short-term?+
Yes — this home sits inside Esprit, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 3906 ETERNITY CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $370,000, this home is listed about 13% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3906 ETERNITY CIRCLE?+
Hickory Tree Elementary School (elementary), St. Cloud Middle School (middle), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Zoned for nightly rentals
Esprit is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 1 day on market in a St Cloud market that averages 33 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY RESULTS LLC · Debbie Browning. MLS #S5153809.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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