3166 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3166 Whisper Wind Dr, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,702 sqft · built 1998
Lot Size	0.615 acres (26,789 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (Jan 2017)
Tax Bill	$4,299 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-2502-0001-00A0`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2502-0001-00A0`
Alternative APNs	`2531042502000100A0` `89630`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,702 sqft Living Area
Gross Area	3,945 sqft
1st Floor Area	2,702 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	26,789 sqft (0.615 acres)
Lot Dimensions	188 ft deep x 145 ft wide
Garage Type	Attached
Garage Area	529 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	48 sqft
Porch	Finished/Open Porch
Porch Area	714 sqft
Deck Area	270 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3166 WHISPER WIND DR
City	SAINT CLOUD
State	FL
Zip	34771-7896
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	A REPLAT OF TRACT B LAKE AJAY VILLAGE PB 5 PG 121 LOT A
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG TRACT B REPLAT
Legal Tract	B
Legal Block	A0
Legal Lot Number	A
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
Census Tract	43700

Owner

Source: Osceola County records · APN 04-25-31-2502-0001-00A0

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	3166 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 23, 2017 · Amount on Record
Deed Sale	Jan 23, 2017 · Amount on Record
Prior Sale	Jul 18, 2000 · Amount on Record
Deed Document Number	201712122
Deed Book / Page	5089 / 2275
Prior Transfer Date	Jun 11, 2015
Prior Transfer Doc	0047941610
Record Updated	Jun 08, 2026

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 23, 2017
Property Address	3166 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number	0050892275
Book / Page	5089 / 2275
Map Reference	MB5 PG121
Instrument Date	Jan 20, 2016
Instrument	2017012122
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	ESQUIRE TITLE COMPANY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,086.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3166 WHISPER WIND DR, 3166, SAINT CLOUD, FL 34771-7896

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3166 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Mortgage

Document Number	0050892276
Date	Jan 23, 2017
Book Page	5089/2276
Instrument	2017012123

Lender

Name	PEOPLES BANK
Type	Bank
Address	OVERLAND PARK, KS 66213

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 01, 2032

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$4,299.00 (+13.97%) Homeowner's exemption	$299,726 (+15.25%)	$543,300 (+14.84%) Land $90,000 Building $453,300
2024	$3,772.00 (+2.17%)
2023	$3,692.00 (+4.18%) Homeowner's exemption	$260,058 (+3%)	$473,100 (+16.64%) Land $90,000 Building $383,100
2022	$3,544.00 Homeowner's exemption	$252,484	$405,600 Land $80,000 Building $325,600

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 64% of the US · above 40% of Florida
Wildfire Likelihood	About 1 in 461 per year
Exposure	Direct burnable vegetation at the parcel

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