Osceola County property record for 3182 Whisper Wind Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,099 sqft · built 1986 |
| Lot Size | 0.598 acres (26,049 sqft) |
| Owner | 2 Owner Names on Record |
| Last Sale | $280,000 (May 2005) |
| Tax Bill | $2,736 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 89714 |
| Primary APN | 89714 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,099 sqft Heated Area |
| Gross Area | 3,165 sqft |
| 1st Floor Area | 1,682 sqft |
| Upper Floors Area | 417 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,049 sqft (0.598 acres) |
| Lot Dimensions | 185 ft deep x 147 ft wide |
| Garage Type | Finished |
| Garage Area | 634 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 578 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 432 sqft |
| Deck Area | 430 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89714 |
|---|---|
| Street Address | 3182 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 | LAKE AJAY VILLAGE PB 2 PGS 201-204 LOT 61 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 04 |
| Legal Subdivision | LAKE AJAY |
| Legal Tract | 2512 |
| Legal Block | 1 |
| Legal Lot Number | 61 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 43700 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on Record |
|---|---|
| Mailing Address | 3182 WHISPER WIND DR, SAINT CLOUD, FL 34771-7896 |
| Occupancy | Owner Occupied |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 11, 2005 · Amount on Record |
| Deed Sale | May 11, 2005 · Amount on Record |
| Prior Sale | Apr 17, 2002 · Amount on Record |
| Deed Document Number | 2005110597 |
| Deed Book / Page | 2776 / 2618 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,736.00 (+8.4%) Homeowner's exemption | $186,936 (+5.99%) | $407,400 (+8.84%) Land $90,000 Building $317,400 |
| 2023 | $2,524.00 (+4.82%) Homeowner's exemption | $176,377 (+3%) | $374,300 (+15.7%) Land $90,000 Building $284,300 |
| 2022 | $2,408.00 Homeowner's exemption | $171,240 | $323,500 Land $80,000 Building $243,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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 |
| 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.
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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