3153 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3153 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,918 sqft · built 1992
Lot Size	0.592 acres (25,788 sqft)
Owner	Individual Name on Record
Last Sale	$343,500 (Feb 2019)
Tax Bill	$1,459 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`89651`

Property Details

APN / Parcel Number

Primary APN	`89651`
Alternative APN	`042531251200010020`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,918 sqft Heated Area
Gross Area	2,676 sqft
1st Floor Area	1,918 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2006
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,788 sqft (0.592 acres)
Lot Dimensions	140 ft deep x 175 ft wide
Garage Type	Finished
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	450 sqft
Porch	Open Porch
Porch Area	296 sqft
Deck Area	424 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89651
Street Address	3153 WHISPER WIND DR
City	SAINT CLOUD
State	FL
Zip	34771-7876
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE AJAY VILLAGE PB 2 PG 201-204 LOT 2
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY
Legal Tract	2512
Legal Block	1
Legal Lot Number	2
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	3153 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 27, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2019 · Amount on Record
Deed Sale	Feb 27, 2019 · Amount on Record
Prior Sale	Aug 27, 2015 · Amount on Record
Deed Document Number	2019025047
Deed Book / Page	5483 / 0500
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3153 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	HOMELAND TITLE SOURCE LLC, HOMELAND TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3153 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876

Mortgage

Document Number	0060590522
Date	Oct 5, 2021
Book Page	6059/522
Instrument	2021154855

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3153 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HOMELAND TITLE SOURCE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056822889
Date	Feb 28, 2020
Book Page	5682/2889
Instrument	2020029480

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2019
Property Address	3153 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876
Document Number	0054830500
Book / Page	5483 / 0500
Map Reference	MB 2 PG 201-204
Instrument Date	Feb 14, 2019
Instrument	2019025047
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,404.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3790 SAVANNAHS TRL, 3790, MERRITT ISLAND, FL 32953-8630

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3153 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876

Mortgage

Document Number	2019025048
Date	Feb 27, 2019
Instrument	2019025048

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,459.00 (+10.03%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$315,173 (+5.99%)	$426,200 (+9.23%) Land $90,000 Building $336,200
2023	$1,326.00 (+5.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,370 (+3%)	$390,200 (+15.75%) Land $90,000 Building $300,200
2022	$1,257.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$288,709	$337,100 Land $80,000 Building $257,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.2% 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 EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 96 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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