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3180 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3180 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,962 sqft · built 1982
Lot Size0.502 acres (21,867 sqft)
Owner2 Individual Names on Record
Last Sale$525,000 (Aug 2023)
Tax Bill$5,463 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Jan 2023 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN04-25-31-2512-0001-0370

Property Details

APN / Parcel Number

Primary APN04-25-31-2512-0001-0370
Alternative APNs
  • 253104251200010370
  • 89690

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,962 sqft Living Area
Gross Area2,883 sqft
1st Floor Area1,962 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1982
Effective Year BuiltEffective 1982
Exterior MaterialConcrete Block
Construction TypeMasonry / Concrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area21,867 sqft (0.502 acres)
Lot Dimensions175 ft deep x 125 ft wide
Garage TypeAttached
Garage Area462 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area450 sqft
PorchFinished/Open Porch
Porch Area459 sqft
Deck Area670 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3180 WHISPER WIND DR
CitySAINT CLOUD
StateFL
Zip34771-7896
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionLAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 37
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY VLG
Legal Tract2512
Legal Block370
Legal Lot Number37
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1005
Census Tract43700

Owner

Source: Osceola County records, as of September 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record2 Individual Names on Record
Mailing Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Aug 29, 2023Warranty Deed, Transfer · Conventional Mortgage
AMERICAN FINANCIAL NETWORK INC
Jan 26, 2023Intrafamily Transfer, Transfer
Sep 13, 2018Loan Modification, Mortgage
FEDERAL NAT'L MTG ASSN (FNMA)

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 29, 2023 · Amount on Record
Deed SaleAug 29, 2023 · Amount on Record
Prior SaleAug 2, 2000 · Amount on Record
Deed Document Number2023113965
Deed Book / Page6465 / 2862
Prior Transfer DateJan 5, 2023
Prior Transfer Doc0063491851
Record UpdatedOct 29, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 29, 2023
Property Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0064652862
Book / Page6465 / 2862
Map ReferenceMB 2 PG 201-204
Instrument DateAug 29, 2023
Instrument2023113965
Transaction TypeTransfer
Record UpdatedSep 13, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,675.00
Amount AccuracyRounded by County
Additional
  • Notice of Foreclosure Sale
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

Transferred To (Grantee/Buyer)

NameVerified Name
Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
InvestorPossibly a Property Investor

Mortgage

Document Number0064652864
DateAug 29, 2023
Instrument6465/2864
Lender
NameAMERICAN FINANCIAL NETWORK INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053

January 2023: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJan 26, 2023
Property Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0063491851
Book / Page6349 / 1851
Map ReferenceMB 2 PG 201-204
Instrument DateJan 5, 2023
Instrument2023010243
Transaction TypeTransfer
Record UpdatedApr 12, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address2519 PINE PL, WINTER HAVEN, FL 33881-3830

Transferred To (Grantee/Buyer)

NameVerified Name
Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896

September 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3180 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896
Document Number0054502568
Instrument DateSep 13, 2018
Transaction TypeMortgage
Record UpdatedDec 31, 2018
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

NameVerified Name
Address3180 WHISPER WIND DR ST CLOUD FL 347717896, ST CLOUD, FL 34771-7896

Mortgage

Document Number0054502568
DateDec 18, 2018
Book Page005450/002568
Instrument184474
Lender
NameFEDERAL NAT'L MTG ASSN (FNMA)
TypeMortgage Company
Agreement
AmountAmount Recorded
Term480 Months
DueDec 17, 2058
Interest
Rate4.5%

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$5,463.00 (+2.4%)$383,800 (+137.75%) Land $90,000 Building $293,800$383,800 (+10.07%) Land $90,000 Building $293,800
2024$5,335.00 (+130.45%)
2023$2,315.00 (+4.99%) Homeowner's exemption$161,430 (+3%)$348,700 (+16.35%) Land $90,000 Building $258,700
2022$2,205.00 Homeowner's exemption$156,729$299,700 Land $80,000 Building $219,700

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 X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
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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