3161 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3161 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 6 ba · 4,738 sqft · built 2018
Lot Size	0.664 acres (28,923 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,925,000 (May 2023)
Tax Bill	$18,853 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-2512-0001-0220`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2512-0001-0220`
Alternative APNs	`253104251200010220` `89675`

Interior

Bedrooms	6 Beds
Full Baths	6 Baths
Stories	2 Stories
Building Area	4,738 sqft Living Area
Gross Area	6,980 sqft
1st Floor Area	2,348 sqft
Upper Floors Area	2,390 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Concrete
Lot Area	28,923 sqft (0.664 acres)
Lot Dimensions	235 ft deep x 146 ft wide
Garage Type	Attached
Garage Area	955 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	450 sqft
Porch	Finished/Open Porch
Porch Area	1,287 sqft
Deck Area	1,118 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3161 WHISPER WIND DR
City	SAINT CLOUD
State	FL
Zip	34771-7895
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 22
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG
Legal Tract	2512
Legal Block	220
Legal Lot Number	22
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43700

Owner

Source: Osceola County records, as of April 2, 2026

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
Mailing Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
May 31, 2023	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
Sep 27, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Feb 2, 2021 · Amount on Record
Deed Document Number	202369441
Deed Book / Page	6416 / 516
Record Updated	Jun 8, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2023
Property Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0064160516
Book / Page	6416 / 516
Map Reference	MB 2 PG 201-204
Instrument Date	May 25, 2023
Instrument	2023069441
Transaction Type	Transfer
Record Updated	Jun 16, 2023
Title Company	UNION TITLE CORPORATION, UNION TITLE SERVICES INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,475.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 4457, WINTER PARK, FL 32793-4457

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0006416518
Date	May 31, 2023
Instrument	6416/518

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

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

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0058821797
Date	Feb 2, 2021
Book Page	5882/1797
Instrument	2021014813

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

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

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Transaction Type	Mortgage
Record Updated	Mar 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3161 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0062911408
Date	Sep 27, 2022
Book Page	6291/1408
Instrument	2022144866

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Sep 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$18,853.00 (+1.01%)	$1,309,400 (+32.33%) Land $150,000 Building $1,159,400	$1,309,400 (+32.33%) Land $150,000 Building $1,159,400
2024	$18,664.00 (+34.48%)
2023	$13,879.00 (+15.46%) Homeowner's exemption	$989,500 (+20.83%) Land $150,000 Building $839,500	$989,500 (+20.83%) Land $150,000 Building $839,500
2022	$12,021.00	$818,900 Land $105,000 Building $713,900	$818,900 Land $105,000 Building $713,900

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
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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