261 Whistling Duck Trl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 261 Whistling Duck Trl, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,634 sqft · built 2023
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on Record
Last Sale	$499,500 (Jun 2025)
Tax Bill	$6,598 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`28-25-31-5037-0001-0070`

Property Details

APN / Parcel Number

Primary APN	`28-25-31-5037-0001-0070`
Alternative APN	`253128503700010070`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,634 sqft Living Area
Gross Area	3,192 sqft
1st Floor Area	1,282 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	420 sqft
Porch	Porch

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	261 WHISTLING DUCK TRL
City	SAINT CLOUD
State	FL
Zip	34771-9365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SILVER SPRINGS 2 PB 31 PGS 73-74 LOT 7
Legal Subdivision	SILVER SPRINGS 2
Legal Lot Number	7
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	43700

Owner

Source: Osceola County records, as of September 14, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	1497 AXEL GRAESON AVE, KISSIMMEE, FL 34744-5283
Owner Type	Company
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 4, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 18, 2023	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 4, 2025 · Amount on Record
Deed Sale	Jun 4, 2025 · Amount on Record
Prior Sale	Apr 18, 2023 · Amount on Record
Deed Document Number	202570273
Deed Book / Page	6798 / 2879
Record Updated	Oct 29, 2026

June 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2025
Property Address	261 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9365
Document Number	0067982879
Book / Page	6798 / 2879
Map Reference	MB 31 PG 73&74
Instrument Date	May 28, 2025
Instrument	2025070273
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	EQUITY TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,496.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	261 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1497 AXEL GRAESON AVE, KISSIMMEE, FL 34744-5283

Mortgage

Document Number	0067982881
Date	Jun 4, 2025
Instrument	6798/2881

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2055

April 2023: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2023
Property Address	261 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9365
Document Number	0063900248
Book / Page	6390 / 248
Map Reference	MB 31 PG 73&74
Instrument Date	Apr 14, 2023
Instrument	2023045593
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 22, 2024
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,636.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	261 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9365

Mortgage

Document Number	0006390251
Date	Apr 18, 2023
Instrument	6390/251

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,598.00 (+341.04%)	$424,800 (+543.64%) Land $71,500 Building $353,300	$424,800 (+543.64%) Land $71,500 Building $353,300
2023	$1,496.00 (+94.79%)	$66,000 (+2%) Land $66,000	$66,000 (+2%) Land $66,000
2022	$768.00	$55,000 Land $55,000	$55,000 Land $55,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 70 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	70 in force

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	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.5% annual chance
Exposure	Direct burnable vegetation

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 334 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink, Xfinity.

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