3181 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3181 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,754 sqft · built 1980
Lot Size	0.515 acres (22,433 sqft)
Owner	2 Individual Names on File
Last Sale	$625,000 (Mar 2024)
Tax Bill	$6,713 (2025)
Deeds & Mortgages	Mar 2024 Sale & Mortgage Sep 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`04-25-31-2512-0001-0380`

Property Details

APN / Parcel Number

Primary APN	`04-25-31-2512-0001-0380`
Alternative APNs	`253104251200010380` `89691`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,754 sqft Living Area
Gross Area	3,742 sqft
1st Floor Area	1,732 sqft
Upper Floors Area	1,022 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1995
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,433 sqft (0.515 acres)
Lot Dimensions	174 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	576 sqft
Porch	Screened/Unfinished Porch
Porch Area	508 sqft
Deck Area	620 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3181 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 38
Legal Range	31E
Legal Township	25S
Legal Section	04
Legal Subdivision	LAKE AJAY VLG
Legal Tract	2512
Legal Block	380
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43700

Owner

Source: Osceola County assessment roll, 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	2 Individual Names on File
Mailing Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2024	Warranty Deed, Transfer · Conventional Mortgage NATIONSTAR MORTGAGE LLC
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Oct 2, 2020	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Jan 7, 2019	Quit Claim Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Sep 26, 2017	Warranty Deed, Transfer FIRST CLASS TITLE AGENCY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 4, 2024 · Amount on Record
Deed Sale	Mar 4, 2024 · Amount on Record
Prior Sale	Oct 2, 2020 · Amount on Record
Deed Document Number	202428192
Deed Book / Page	6559 / 1176
Prior Transfer Date	Oct 26, 2018
Prior Transfer Doc	0054590926
Record Updated	Sep 20, 2026

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2024
Property Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0065591176
Book / Page	6559 / 1176
Map Reference	MB 2 PG 201
Instrument Date	Feb 28, 2024
Instrument	2024028192
Transaction Type	Transfer
Record Updated	Mar 28, 2024

Transaction

Amount	Amount Recorded
Tax	$4,375.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	2024028193
Date	Mar 4, 2024
Instrument	2024028193

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

Mortgage

Document Number	0065591178
Date	Mar 4, 2024
Book Page	6559/1178
Instrument	2024028193

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2054

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Transaction Type	Mortgage
Record Updated	Oct 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0062901022
Date	Sep 22, 2022
Book Page	6290/1022
Instrument	2022143917

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

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

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 2, 2020
Property Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0058050003
Book / Page	5805 / 3
Map Reference	MB 2 PG 201
Instrument Date	Sep 30, 2020
Instrument	2020132366
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	AKW TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1302 E ROBINSON ST, 1302, ORLANDO, FL 32801-2178

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895

Mortgage

Document Number	0000058055
Date	Oct 2, 2020
Instrument	5805/5

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 7, 2019
Property Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0054590926
Book / Page	5459 / 0926
Map Reference	MB 2 PG 201
Instrument Date	Oct 26, 2018
Instrument	2019001886
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CLEAR CHOICE TITLE GROUP LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	130 S BUMBY AVEA, 130, ORLANDO, FL 32803

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8484 SANDBERRY BLVD, ORLANDO, FL 32819-6908

Mortgage

Document Number	2019001887
Date	Jan 7, 2019
Instrument	2019001887

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Nov 1, 2048

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 26, 2017
Property Address	3181 WHISPER WIND DR, SAINT CLOUD, FL 34771-7895
Document Number	0052130645
Book / Page	005213 / 000645
Instrument Date	Sep 15, 2017
Instrument	136277
Transaction Type	Transfer
Record Updated	Nov 8, 2017
Title Company	FIRST CLASS TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$1,715.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	130 S BUMBY AVE #A ORLANDO FL 328037415, A, ORLANDO, FL 32803-7415

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	$6,713.00 (+30.27%)	$473,957 (+30.9%)	$516,800 (+9.58%) Land $90,000 Building $426,800
2024	$5,153.00 (+2.1%)
2023	$5,047.00 (+3.89%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$362,085 (+3%)	$471,600 (+16.13%) Land $90,000 Building $381,600
2022	$4,858.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$351,539	$406,100 Land $80,000 Building $326,100

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

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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