3160 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3160 Whisper Wind Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,094 sqft · built 1981
Lot Size	0.669 acres (29,185 sqft)
Owner	Individual Name on File
Last Sale	$525,000 (Dec 2021)
Tax Bill	$8,378 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`89680`

Property Details

APN / Parcel Number

Primary APN	`89680`
Alternative APN	`042531251200010270`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,094 sqft Heated Area
Gross Area	3,170 sqft
1st Floor Area	2,094 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 2001
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Cathedral/Clerestory
Roof Material	Composition Shingle
Lot Area	29,185 sqft (0.669 acres)
Lot Dimensions	227 ft deep x 127 ft wide
Garage Type	Finished
Garage Area	428 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	840 sqft
Porch	Open Porch
Porch Area	520 sqft
Deck Area	600 sqft
Fence	Fence
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89680
Street Address	3160 WHISPER WIND DR
City	SAINT CLOUD
State	FL
Zip	34771-7896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 27
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY
Legal Tract	2512
Legal Block	1
Legal Lot Number	27
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
Census Tract	43700

Owner

Source: Osceola County records · APN 89680

Assessment roll updated July 1, 2025 · Last verified December 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 File
Co-owner	Verified Secondary Owner
Mailing Address	11878 SUELLEN CIR, WELLINGTON, FL 33414-6272
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 13, 2021 · Amount on Record
Deed Sale	Dec 13, 2021 · Amount on Record
Prior Sale	Oct 26, 2016 · Amount on Record
Deed Document Number	2021191059
Deed Book / Page	6105 / 2087
Record Updated	Jun 08, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 13, 2021
Property Address	3160 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number	0061052087
Book / Page	6105 / 2087
Map Reference	MB 2 PG 201
Instrument Date	Nov 15, 2021
Instrument	2021191059
Transaction Type	Transfer
Record Updated	Dec 24, 2021
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,675.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3160 WHISPER WIND DR, 3160, SAINT CLOUD, FL 34771-7896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3160 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Mortgage

Document Number	0061052090
Date	Dec 13, 2021
Instrument	6105/2090

Lender

Name	HOME1ST LENDING LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,378.00 (+33.2%)	$553,300 (+24.03%) Land $90,000 Building $463,300	$553,300 (+10.48%) Land $90,000 Building $463,300
2023	$6,290.00 (+3.66%) Homeowner's exemption	$446,093 (+3%)	$500,800 (+15.63%) Land $90,000 Building $410,800
2022	$6,068.00 Homeowner's exemption	$433,100 Land $80,000 Building $353,100	$433,100 Land $80,000 Building $353,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 448 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.