3173 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3173 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,052 sqft · built 1979
Lot Size	0.672 acres (29,272 sqft)
Owner	Individual Name on Record
Last Sale	$162,700 (Apr 2018)
Tax Bill	$5,362 (2025)
Deeds & Mortgages	Oct 2026 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-2512-0001-0330`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2512-0001-0330`
Alternative APNs	`253104251200010330` `89686`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	1 Plumbing Fixture
Stories	2 Stories
Building Area	3,052 sqft Living Area
Gross Area	4,441 sqft
1st Floor Area	2,401 sqft
Upper Floors Area	651 sqft
Flooring	Carpet
Interior Walls	Metal
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Stone
Construction Type	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	29,272 sqft (0.672 acres)
Lot Dimensions	231 ft deep x 125 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	765 sqft
Deck Area	65 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3173 WHISPER WIND DR
City	SAINT CLOUD
State	FL
Zip	34771-7895
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 33
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG
Legal Tract	2512
Legal Block	330
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43700

Owner

Source: Osceola County records, as of October 19, 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 Record
Mailing Address	3173 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2026	Deed of Trust, Mortgage · Line of Credit SEACOAST NATIONAL BANK
Jan 21, 2021	Quit Claim Deed, Transfer · Conventional Mortgage ALKAN MORTGAGE CORP
Apr 27, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2018 · Amount on Record
Deed Sale	Apr 27, 2018 · Amount on Record
Prior Sale	Sep 5, 2003
Deed Document Number	201867072
Deed Book / Page	5324 / 302
Last Transfer Date	Jan 15, 2021
Transfer Doc	0058742921
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Oct 7, 2026
Property Address	3173 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0000129606
Book / Page	7045 / 2671
Instrument Date	Sep 30, 2026
Instrument	2026129606
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3173 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0000129606,
Date	Oct 7, 2026
Book Page	7045/2671
Instrument	2026129606

Lender

Name	SEACOAST NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 21, 2021
Property Address	3173 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0058742921
Book / Page	5874 / 2921
Map Reference	MB 2 PG 201-204
Instrument Date	Jan 15, 2021
Instrument	2021009595
Transaction Type	Transfer
Record Updated	Mar 6, 2023
Title Company	VENTURE TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3173 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0058742922
Date	Jan 21, 2021
Instrument	5874/2922

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company

Agreement

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

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2018
Property Address	3173 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0053240302
Book / Page	005324 / 000302
Instrument Date	Apr 27, 2018
Instrument	67072
Transaction Type	Transfer
Record Updated	May 25, 2018

Transaction

Amount	Amount Recorded
Tax	$1,138.90
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3173 WHISPER WIND DR ST CLOUD FL 347717895, ST CLOUD, FL 34771-7895

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	$5,362.00 (+4.64%) Homeowner's exemption	$376,477 (+5.99%)	$575,600 (+15.95%) Land $150,000 Building $425,600
2024	$5,124.00 (+2.05%)
2023	$5,021.00 (+3.85%) Homeowner's exemption	$355,211 (+3%)	$496,400 (+25.01%) Land $150,000 Building $346,400
2022	$4,835.00 Homeowner's exemption	$344,866	$397,100 Land $105,000 Building $292,100

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 X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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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