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3170 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3170 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,434 sqft · built 1990
Lot Size0.515 acres (22,433 sqft)
OwnerIndividual Name on Record
Last Sale$280,000 (Mar 2018)
Tax Bill$4,160 (2025)
Deeds & MortgagesFeb 2020 Mortgage
Mar 2018 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN04-25-31-2502-0001-00C0

Property Details

APN / Parcel Number

Primary APN04-25-31-2502-0001-00C0
Alternative APNs
  • 2531042502000100C0
  • 89633

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,434 sqft Living Area
Gross Area3,277 sqft
1st Floor Area2,434 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1990
Effective Year BuiltEffective 1990
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area22,433 sqft (0.515 acres)
Lot Dimensions195 ft deep x 115 ft wide
Garage TypeAttached
Garage Area484 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area359 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3170 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 C
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY VLG TRACT B REPLAT
Legal TractB
Legal BlockC0
Legal Lot NumberC
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43700

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address3170 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 24, 2020Deed of Trust, Mortgage · Conventional with PMI
MIDWEST LN SOLUTIONS INC
Mar 6, 2018Warranty Deed, Transfer · Conventional with PMI
NAVY FCU

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 6, 2018 · Amount on Record
Deed SaleMar 6, 2018 · Amount on Record
Prior SaleDec 22, 2011 · Amount on Record
Deed Document Number201837834
Deed Book / Page5296 / 2436
Prior Transfer DateSep 29, 2005
Prior Transfer Doc0030032307
Record UpdatedJun 8, 2026

February 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3170 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0056860395
Instrument DateFeb 24, 2020
Transaction TypeMortgage
Record UpdatedMay 22, 2020
Title CompanyWORLDWIDE RECORDING INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3170 WHISPER WIND DR ST CLOUD FL 347717896, ST CLOUD, FL 34771-7896

Mortgage

Document Number0056860395
DateMar 5, 2020
Book Page005686/000395
Instrument32141
Lender
NameMIDWEST LN SOLUTIONS INC
AddressSOUTHFIELD, MI 48034
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMar 4, 2050

March 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 6, 2018
Property Address3170 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0052962436
Book / Page005296 / 002436
Instrument DateFeb 15, 2018
Instrument37834
Transaction TypeTransfer
Record UpdatedMar 26, 2018
Title CompanyQUALITY TITLE AND ESCROW LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Additional
  • Lis Pendens
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address15054 MOULTRIE POINTE RD ORLANDO FL 328286656, ORLANDO, FL 32828-6656

Mortgage

Document Number52962438
DateMar 6, 2018
Book Page005296/002438
Instrument37835
Lender
NameNAVY FCU
TypeCredit Union
AddressVIENNA, VA 22180
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueMar 5, 2048

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$4,160.00 (+5.05%) Homeowner's exemption$289,711 (+5.99%)$443,100 (+9.25%) Land $90,000 Building $353,100
2024$3,960.00 (+2.11%)
2023$3,878.00 (+4.14%) Homeowner's exemption$273,347 (+3%)$405,600 (+16.55%) Land $90,000 Building $315,600
2022$3,724.00 Homeowner's exemption$265,386$348,000 Land $80,000 Building $268,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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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