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3164 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3164 Whisper Wind Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms3 Baths
Year BuiltBuilt 1986
Square Footage2,656 sqft Heated Area
Lot Size21,998 sqft (0.505 acres)
OccupancyOwner Occupied
Last Sale$610,000 (2022)
Tax Bill$6,377.00 (2025)

Property Details

APN / Parcel Number

Primary APN89684
Alternative APN
  • 042531251200010310

Interior

Bedrooms3 Beds
Full Baths3 Baths
Partial Baths1 Partial Baths
Building Area2,656 sqft Heated Area
Gross Area3,508 sqft Gross Area
1st Floor2,656 sqft 1st Floor
Stories1 Stories
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1986
Exterior MaterialBrick Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area21,998 sqft (0.505 acres)
Depth X Width175 ft x 125 ft Depth x Width
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area572 sqft Garage
PorchFinished/Screened Porch
Porch Area280 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Account Number89684
Street Address3164 WHISPER WIND DR
CitySAINT CLOUD
StateFL
Zip34771-7896
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionLAKE AJAY VILLAGE PB 2 PG 201-204 LOT 31 ORB 569 PG 660
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY
Legal Tract2512
Legal Block1
Legal Lot Number31
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1005
Census Tract43700

Owner

Source: Osceola County records · APN 89684

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 RecordIndividual Name on File
Mailing Address3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 07, 2022Warranty Deed, Transfer · Conventional Mortgage
CHANGE LENDING LLC
Dec 14, 2020Warranty Deed, Transfer
LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleApr 07, 2022 · Amount on Record
Deed SaleApr 07, 2022 · Amount on Record
Prior SaleDec 14, 2020 · Amount on Record
Deed Doc Number2022055676
Deed Book / Page6189 / 2008
Record RefreshedJun 08, 2026

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 07, 2022
Property Address3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0061892008
Book / Page6189 / 2008
Map ReferenceMB 2 PG 201-204
Instrument DateApr 05, 2022
Instrument2022055676
Transaction TypeTransfer
Record UpdatedApr 19, 2022
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,270.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address3164 WHISPER WIND DR, 3164, SAINT CLOUD, FL 34771-7896

Transferred To (Grantee/Buyer)

NameVerified Name
Address3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Mortgage

Document Number0061892010
DateApr 07, 2022
Instrument6189/2010
Lender
NameCHANGE LENDING LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueMay 01, 2052

December 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 14, 2020
Property Address3164 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0058501832
Book / Page005850 / 001832
Instrument DateDec 11, 2020
Instrument169278
Transaction TypeTransfer
Record UpdatedDec 23, 2020
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS INC

Transaction

AmountAmount Recorded
Tax$2,275.00
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2920 FRONTIER DR KISSIMMEE FL 347449302, KISSIMMEE, FL 34744-9302

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$6,377.00 (+6.53%) Homeowner's exemption$449,702 (+5.99%)$463,700 (+9.29%) Land $90,000 Building $373,700
2023$5,986.00 (+10.81%) Homeowner's exemption$424,300 (+16.6%) Land $90,000 Building $334,300$424,300 (+16.6%) Land $90,000 Building $334,300
2022$5,402.00$363,900 Land $80,000 Building $283,900$363,900 Land $80,000 Building $283,900

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 ZoneZone AE
Flood HazardHigh
100-Year FloodplainYes
1% annual chance
Special Flood Hazard AreaYes
Flood Insurance RequirementRequired (federally backed mortgages)
FloodwayNo
Base Flood Elevation61.1 ft

Wildfire

Wildfire RiskModerate
above 64% of the US · above 40% of Florida
Wildfire LikelihoodAbout 1 in 461 per year
ExposureDirect
burnable vegetation at the parcel

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

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