Osceola County property record for 3163 Whisper Wind Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 3,110 sqft · built 1995 |
| Lot Size | 0.796 acres (34,717 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $300,000 (Apr 2003) |
| Tax Bill | $5,256 (2025) |
| Deeds & Mortgages | May 2018 Mortgage Nov 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 89677 |
| Primary APN | 89677 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 3,110 sqft Heated Area |
| Gross Area | 4,652 sqft |
| 1st Floor Area | 2,116 sqft |
| Upper Floors Area | 994 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1995 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 34,717 sqft (0.796 acres) |
| Lot Dimensions | 279 ft deep x 126 ft wide |
| Garage Type | Finished |
| Garage Area | 822 sqft |
| Parking Spaces | 3 Parking Spaces |
| Pool Area | 450 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 566 sqft |
| Deck Area | 386 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 108 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89677 |
|---|---|
| Street Address | 3163 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 24 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 04 |
| Legal Subdivision | LAKE AJAY WATERFRONT |
| Legal Tract | 2512 |
| Legal Block | 1 |
| Legal Lot Number | 24 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1004 |
| 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 Owner Names on Record |
|---|---|
| Mailing Address | 3163 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| May 15, 2018 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE CO |
| Nov 5, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GROUP ONE MORTGAGE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 10, 2003 · Amount on Record |
| Deed Sale | Apr 10, 2003 · Amount on Record |
| Prior Sale | Jul 15, 1999 · Amount on Record |
| Deed Document Number | 0222801170 |
| Deed Book / Page | 02228 / 01170 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3163 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0053340773 |
|---|---|
| Date | May 15, 2018 |
| Book Page | 5334/0773 |
| Instrument | 2018076799 |
| Name | THE MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | ENGLEWOOD, CO 80112 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3163 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | TRIDENT TITLE |
| Name | Verified Name |
|---|---|
| Address | 3163 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Document Number | 0058271358 |
|---|---|
| Date | Nov 5, 2020 |
| Book Page | 5827/1358 |
| Instrument | 2020150986 |
| Name | GROUP ONE MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | JUPITER, FL 33477 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
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 | $5,256.00 (+6.83%) Homeowner's exemption | $368,813 (+5.99%) | $710,000 (+15.96%) Land $150,000 Building $560,000 |
| 2023 | $4,920.00 (+3.86%) Homeowner's exemption | $347,980 (+3%) | $612,300 (+22.44%) Land $150,000 Building $462,300 |
| 2022 | $4,737.00 Homeowner's exemption | $337,845 | $500,100 Land $105,000 Building $395,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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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