4042 ETERNITY CIRCLE, ST CLOUD, FL, 34772
Active193 days on marketListed Jan 7, 2026MLS #S5141166
About this home
4042 ETERNITY CIRCLE
Welcome to this beautiful single-family home in Saint Cloud, Florida, ideally located just 30 minutes from world-famous theme parks and approximately one hour from Florida’s stunning beaches. Enjoy convenient access to Orlando attractions, along with nearby restaurants, shopping plazas, grocery stores, gas stations, pharmacies, and more—all within close reach. The home is also zoned for highly rated A+ schools, making it an excellent choice for families. Located in a tranquil community featuring a playground and swimming pool with low HOA, this residence offers peaceful surroundings complemented by well-maintained landscaping—perfect for relaxed Florida living. This home features 4 bedrooms and 2 bathrooms with a desirable open floor plan, ideal for both everyday living and entertaining. The remodeled kitchen showcases quartz countertops, a central island, ample cabinetry, a pantry, and all appliances included, seamlessly connecting to the main living areas. Sliding glass doors open to a spacious backyard with serene pond views, creating a private outdoor retreat. Additional highlights include a large backyard, two-car garage, and abundant natural light throughout. Schedule your appointment today and experience all this exceptional home has to offer!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,859
Sqft
0.17 ac
Lot size
2
Garage
2013
Year built
One
Levels
$223
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.
$3,363 /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
$3,363/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
+14.1%
$/sqft vs St Cloud actives
$223 vs $221
Days on market
193 vs 33 typical
Where $223/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 · projected
$35,058/yr gross
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.
The Saint Cloud short-term market
▼ Softening44%
Occupancy
▼ 9% yr/yr
$182
Avg nightly rate
▼ 21% yr/yr
$19K/yr
Revenue per listing
$84
RevPAR
38 days
Booking lead time
4.9 nights
Avg stay
4
Typical min nights
58
Active rentals
▲ 14% supply
Seasonality — monthly occupancy
Peaks at 54% in Feb · bottoms at 36% in May
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Saint Cloud — the projection above is specific to this home’s size.
Where it sits
Inside Esprit
Drive times from this address
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)
189 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% above the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 4042 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 · May ’26$365,000
3503 STARCATCHER STREET · same community
4 bd · 2 ba · 1,859 sqft · $196/sqft · 6 DOM
Sold · Jun ’26$343,000
3989 ETERNITY CIRCLE · same community
3 bd · 2 ba · 1,677 sqft · $205/sqft · 111 DOM
Sold · May ’26$370,000
3933 WIND DANCER CIRCLE
4 bd · 2 ba · 1,859 sqft · $199/sqft · 20 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4042 ETERNITY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4042 ETERNITY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
4042 ETERNITY CIRCLE FAQs
What would the monthly payment be for 4042 ETERNITY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,363/mo — principal and interest, the actual property-tax bill, the $82/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 4042 ETERNITY CIRCLE?+
The association fee works out to $82 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4042 ETERNITY CIRCLE?+
The most recent tax bill on record (2025) was $5,937. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4042 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 4042 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 $415,000, this home is listed about 2% 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 4042 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
Four things that matter here
01Positioned at the premium end
$415,000 runs 12% above the ST CLOUD 34772 median.
02Zoned 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.
03Time on market is leverage
193 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $425,000, now $415,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Adriana Cardenas. MLS #S5141166.
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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