3172 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3172 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,973 sqft · built 1996
Lot Size	0.515 acres (22,433 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Nov 2021)
Tax Bill	$6,058 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`04-25-31-2502-0001-00D0`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2502-0001-00D0`
Alternative APNs	`2531042502000100D0` `89634`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,973 sqft Living Area
Gross Area	2,948 sqft
1st Floor Area	1,973 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,433 sqft (0.515 acres)
Lot Dimensions	195 ft deep x 115 ft wide
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	354 sqft
Patio Area	444 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3172 WHISPER WIND DR
City	SAINT CLOUD
State	FL
Zip	34771-7896
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	A REPLAT OF TRACT B LAKE AJAY VILLAGE PB 5 PG 121 LOT D
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG TRACT B REPLAT
Legal Tract	B
Legal Block	1
Legal Lot Number	D
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1005
Census Tract	43700

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 Record	Individual Name on Record
Mailing Address	3172 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Apr 13, 2020	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2021 · Amount on Record
Deed Sale	Nov 15, 2021 · Amount on Record
Prior Sale	Apr 13, 2020 · Amount on Record
Deed Document Number	2021177398
Deed Book / Page	6086 / 2955
Prior Transfer Date	Jan 5, 2012
Prior Transfer Doc	0042230118
Record Updated	Jun 8, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 15, 2021
Property Address	3172 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number	0060862955
Book / Page	6086 / 2955
Map Reference	MB 5 PG 121
Instrument Date	Nov 12, 2021
Instrument	2021177398
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5341 CARSON ST, SAINT CLOUD, FL 34771-7753

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3172 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Mortgage

Document Number	0060862956
Date	Nov 15, 2021
Instrument	6086/2956

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 13, 2020
Property Address	3172 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number	0057070660
Book / Page	5707 / 660
Map Reference	MB 5 PG 121
Instrument Date	Apr 3, 2020
Instrument	2020050029
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SUNBELT TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	490 SUNDORO CT, 490, MERRITT ISLAND, FL 32953-3240

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3172 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Mortgage

Document Number	0057070661
Date	Apr 13, 2020
Instrument	5707/0661

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	May 1, 2030

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,058.00 (+4.48%) Homeowner's exemption	$426,688 (+6.22%)	$499,900 (+10.06%) Land $90,000 Building $409,900
2024	$5,798.00 (+2.26%)
2023	$5,670.00 (+3.73%) Homeowner's exemption	$401,700 (+3%)	$454,200 (+16.46%) Land $90,000 Building $364,200
2022	$5,466.00 Homeowner's exemption	$390,000 Land $80,000 Building $310,000	$390,000 Land $80,000 Building $310,000

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 Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.1 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 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 Risk	High above 74% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 System	TOHO WATER AUTHORITY EASTERN private · serves 110,102 people · EPA ID FL3490751
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	Under 1 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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

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

May also be available: Spectrum.

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