Osceola County property record for 3155 Whisper Wind Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,263 sqft · built 1992 |
| Lot Size | 0.525 acres (22,869 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $650,000 (Jul 2022) |
| Tax Bill | $5,939 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 89671 |
| Primary APN | 89671 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,263 sqft Heated Area |
| Gross Area | 3,077 sqft |
| 1st Floor Area | 2,263 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 22,869 sqft (0.525 acres) |
| Lot Dimensions | 122 ft deep x 187 ft wide |
| Garage Type | Finished |
| Garage Area | 575 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 420 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 239 sqft |
| Deck Area | 508 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89671 |
|---|---|
| Street Address | 3155 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 PGS 201-204 LOT 18 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 04 |
| Legal Subdivision | LAKE AJAY |
| Legal Tract | 2512 |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 43700 |
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 | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3155 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 6, 2022 · Amount on Record |
| Deed Sale | Jul 6, 2022 · Amount on Record |
| Prior Sale | Apr 2, 1998 · Amount on Record |
| Deed Document Number | 0062482793 |
| Deed Book / Page | 02202 / 00556 |
| Prior Transfer Date | Feb 27, 2003 |
| Prior Transfer Doc | 0220200556 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3155 WHISPER WIND DR, SAINT CLOUD, FL 34771-7876 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | EQUITABLE TTL OF DR PHILLIPS |
| Name | Verified Name |
|---|---|
| Address | 8400 PULASKI DR, REUNION, FL 34747-2053 |
| Document Number | 0062482795 |
|---|---|
| Date | Jul 11, 2022 |
| Book Page | 6248/2795 |
| Instrument | 2022106817 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,939.00 (+6.72%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $423,100 (+5.99%) | $435,400 (+9.07%) Land $90,000 Building $345,400 |
| 2023 | $5,565.00 (+120.92%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $399,200 (+122.17%) Land $90,000 Building $309,200 | $399,200 (+15.64%) Land $90,000 Building $309,200 |
| 2022 | $2,519.00 Homeowner's exemption Disabled Person's exemption | $179,681 | $345,200 Land $80,000 Building $265,200 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
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 |
|
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.
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.
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 |
| 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.
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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