3174 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3174 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,585 sqft · built 1992
Lot Size	0.515 acres (22,433 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Dec 2011)
Tax Bill	$712 (2025)
Deeds & Mortgages	Nov 2022 Line of Credit Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-2502-0001-00E0`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2502-0001-00E0`
Alternative APN	`2531042502000100E0`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,585 sqft Living Area
Gross Area	3,224 sqft
1st Floor Area	2,585 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Exterior Material	Combination
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,433 sqft (0.515 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	36 sqft
Porch	Finished/Open Porch
Porch Area	111 sqft
Deck Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3174 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 E
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG TRACT B REPLAT
Legal Tract	B
Legal Block	E0
Legal Lot Number	E
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	3174 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 16, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 2, 2021	Deed of Trust, Mortgage · VA Mortgage LEADER ONE FINANCIAL CORP
Feb 18, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF ENGLAND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 27, 2011 · Amount on Record
Deed Sale	Dec 27, 2011 · Amount on Record
Prior Sale	Mar 6, 2008 · Amount on Record
Deed Document Number	2011179085
Deed Book / Page	4213 / 476
Prior Transfer Date	Feb 18, 1999
Prior Transfer Doc	1579001285
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3174 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Transaction Type	Mortgage
Record Updated	Dec 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3174 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Mortgage

Document Number	0063160778
Date	Nov 16, 2022
Book Page	6316/778
Instrument	2022166926

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Nov 1, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3174 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Transaction Type	Mortgage
Record Updated	Jan 7, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31 74 WHIPER WIND DR, SAINT CLOUD, FL 34771

Mortgage

Document Number	0058822220
Date	Feb 2, 2021
Book Page	5882/2220
Instrument	2021015011

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company
Address	OVERLAND PARK, KS 66210

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2051

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3174 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number	0056830363
Instrument Date	Feb 18, 2020
Transaction Type	Mortgage
Record Updated	May 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3174 WHISPER WIND DR ST CLOUD FL 347717896, ST CLOUD, FL 34771-7896

Mortgage

Document Number	0056830363
Date	Feb 28, 2020
Book Page	005683/000363
Instrument	29598

Lender

Name	BANK OF ENGLAND
Type	Bank
Address	LITTLE ROCK, AR 72201

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Feb 27, 2050

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	$712.00 (+12.84%) Homeowner's exemption Veteran's exemption	$223,885 (+5.99%)	$457,700 (+9.34%) Land $90,000 Building $367,700
2024	$631.00 (+1.61%)
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$211,239 (+3%)	$418,600 (+16.02%) Land $90,000 Building $328,600
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$205,087	$360,800 Land $80,000 Building $280,800

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.

Nearby Properties on Whisper Wind Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures