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3168 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3168 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,263 sqft · built 1991
Lot Size0.576 acres (25,090 sqft)
Owner2 Individual Names on Record
Last Sale$576,000 (Mar 2022)
Tax Bill$6,776 (2025)
Deeds & MortgagesOct 2025 Transfer
Mar 2022 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN04-25-31-2502-0001-00B1

Property Details

APN / Parcel Number

Primary APN04-25-31-2502-0001-00B1
Alternative APNs
  • 2531042502000100B1
  • 89632

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,263 sqft Living Area
Gross Area4,062 sqft
1st Floor Area2,263 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1991
Effective Year BuiltEffective 1991
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area25,090 sqft (0.576 acres)
Lot Dimensions198 ft deep x 128 ft wide
Garage TypeAttached
Garage Area1,264 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area250 sqft
PorchFlorida Room
Porch Area535 sqft
Deck Area216 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3168 WHISPER WIND DR
CitySAINT CLOUD
StateFL
Zip34771-7896
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionA REPLAT OF TRACT B LAKE AJAY VILLAGE PB 5 PG 121 LOT B
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY VLG TRACT B REPLAT
Legal TractB
Legal BlockB1
Legal Lot NumberB
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43700

Owner

Source: Osceola County records, as of January 26, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address9040 NW 54TH ST, SUNRISE, FL 33351-7730
Owner TypeIndividual
VestingMarried Man, Separate Property

Deeds, Mortgages & Sale History

DateDocument
Oct 10, 2025Quit Claim Deed, Transfer
Quitclaim
Mar 15, 2022Warranty Deed, Transfer · Conventional Mortgage
US MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 15, 2022 · Amount on Record
Deed SaleMar 15, 2022 · Amount on Record
Prior SaleFeb 25, 2005 · Amount on Record
Deed Document Number202241586
Deed Book / Page6172 / 780
Last Transfer DateSep 29, 2025
Transfer Doc0068631129
Record UpdatedSep 20, 2026

October 2025: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 10, 2025
Property Address3168 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0068631129
Book / Page6863 / 1129
Map ReferenceMB 5 PG 121
Instrument DateSep 29, 2025
Instrument2025126373
Transaction TypeTransfer
Record UpdatedOct 23, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address3168 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Transferred To (Grantee/Buyer)

NameVerified Name
Address109 EDIF #4M # 4M, 4M, SUNRISE XX

March 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 15, 2022
Property Address3168 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0061720780
Book / Page6172 / 780
Map ReferenceMB 5 PG 121
Instrument DateMar 7, 2022
Instrument2022041586
Transaction TypeTransfer
Record UpdatedApr 1, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$4,032.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address124 N SHINE AVE, 124, ORLANDO, FL 32801-2152

Transferred To (Grantee/Buyer)

NameVerified Name
Address3160 SOMERSET PARK DR, ORLANDO, FL 32824-7369

Mortgage

Document Number0006172782
DateMar 15, 2022
Instrument6172/782
Lender
NameUS MORTGAGE CORP
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,776.00 (+4.36%)$478,531 (+2.9%)$494,100 (+0.14%) Land $90,000 Building $404,100
2024$6,493.00 (+1.99%) Homeowner's exemption$465,045 (+3%)$493,400 (+9.28%) Land $90,000 Building $403,400
2023$6,366.00 (+93.85%) Homeowner's exemption$451,500 (+93.02%) Land $90,000 Building $361,500$451,500 (+16.19%) Land $90,000 Building $361,500
2022$3,284.00 Homeowner's exemption$233,909$388,600 Land $80,000 Building $308,600

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are 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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.1 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskHigh
above 74% of the US · above 60% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemTOHO WATER AUTHORITY EASTERN
private · serves 110,102 people · EPA ID FL3490751
Water SourceGroundwater
Last State InspectionJun 2025
LeadUnder 1 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Xfinity
Cable		2,000 / 250

May also be available: Spectrum.

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