Osceola County property record for 3165 Whisper Wind Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,820 sqft Heated Area |
| Lot Size | 37,418 sqft (0.858 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $115,000 (2017) |
| Tax Bill | $6,199.00 (2025) |
| Primary APN | 89679 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,820 sqft Heated Area |
| Gross Area | 4,123 sqft Gross Area |
| 1st Floor | 2,820 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 37,418 sqft (0.858 acres) |
| Depth X Width | 300 ft x 126 ft Depth x Width |
| Parking Spaces | 3 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 739 sqft Garage |
| Pool Area | 338 sqft Pool |
|---|---|
| Deck Area | 814 sqft Deck |
| Porch | Open Porch |
| Porch Area | 564 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 89679 |
|---|---|
| Street Address | 3165 WHISPER WIND DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7895 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 26 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 04 |
| Legal Subdivision | LAKE AJAY WATERFRONT |
| Legal Tract | 2512 |
| Legal Block | 1 |
| Legal Lot Number | 26 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1004 |
| Census Tract | 43700 |
Source: Osceola County records · APN 89679
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3165 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 28, 2017 | Deed of Trust, Mortgage · Building or Construction Mortgage CENTENNIAL BANK |
| May 01, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Aug 08, 2018 | Loan Modification, Mortgage CENTENNIAL BK |
| Jun 13, 2017 | Warranty Deed, Transfer INFINITY TITLE GROUP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 13, 2017 · Amount on Record |
| Deed Sale | Jun 13, 2017 · Amount on Record |
| Deed Doc Number | 2017085978 |
| Deed Book / Page | 5163 / 0854 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3165 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0052142917 |
|---|---|
| Date | Sep 28, 2017 |
| Book Page | 5214/2917 |
| Instrument | 2017138074 |
| Name | CENTENNIAL BANK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72033 |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2047 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4% |
| Type Change Date | Oct 01, 2022 |
| Change Frequency | Annually |
| Min Rate At Change | 3.75% |
| Max Rate At Change | 6% |
| Index | 1-Year CMT |
| Max Rate | 10% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3165 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057170356 |
|---|---|
| Date | May 01, 2020 |
| Book Page | 5717/356 |
| Instrument | 2020059705 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2050 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3165 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Document Number | 0053870378 |
| Instrument Date | Aug 08, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 17, 2018 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3165 WHISPER WIND DR ST CLOUD FL 347717895, ST CLOUD, FL 34771-7895 |
| Document Number | 0053870378 |
|---|---|
| Date | Aug 17, 2018 |
| Book Page | 005387/000378 |
| Instrument | 126009 |
| Name | CENTENNIAL BK |
|---|---|
| Type | Bank |
| Address | CONWAY, AR 72032 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 16, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.75% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 13, 2017 |
| Property Address | 3165 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895 |
| Document Number | 0051630854 |
| Book / Page | 005163 / 000854 |
| Instrument Date | Jun 05, 2017 |
| Instrument | 85978 |
| Transaction Type | Transfer |
| Record Updated | Jul 17, 2017 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $805.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 3016 DIAMOND LN ST CLOUD FL 347726520, ST CLOUD, FL 34772-6520 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $6,199.00 (+6.57%) Homeowner's exemption | $436,875 (+5.99%) | $761,300 (+16.25%) Land $150,000 Building $611,300 |
| 2023 | $5,817.00 (+3.73%) Homeowner's exemption | $412,198 (+3%) | $654,900 (+21.53%) Land $150,000 Building $504,900 |
| 2022 | $5,608.00 Homeowner's exemption | $400,193 | $538,900 Land $105,000 Building $433,900 |
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
| 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 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.
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