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3185 Whisper Wind Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 3185 Whisper Wind Dr, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,657 sqft · built 1979
Lot Size2.9 acres (126,585 sqft)
Owner2 Individual Names on Record
Last Sale$375,000 (Aug 2002)
Tax Bill$6,373 (2025)
Deeds & MortgagesNov 2020 Mortgage
Flood ZoneZone AE (high risk)
APN04-25-31-2501-0001-00Q0

Property Details

APN / Parcel Number

Primary APN04-25-31-2501-0001-00Q0
Alternative APNs
  • 2531042501000100Q0
  • 89623

Interior

Bedrooms4 Beds
Full Baths4 Baths
Stories1 Story
Building Area3,657 sqft Living Area
Gross Area5,465 sqft
1st Floor Area3,657 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Exterior MaterialCombination
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area126,585 sqft (2.9 acres)
Lot Dimensions300 ft deep x 400 ft wide
Garage TypeAttached
Garage Area588 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area1,175 sqft
PorchFlorida Room
Porch Area1,220 sqft
Deck Area2,991 sqft
Patio Area1,044 sqft
Gazebo576 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3185 WHISPER WIND DR
CitySAINT CLOUD
StateFL
Zip34771-7815
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionA REPLAT OF TRACT E LAKE AJAY VILLAGE PB 5 PG 120 LOT Q BEG AT MOST SLY COR OF TRACT Q N 45 DEG E 118.99 FT, N 51 DEG E 95.84 FT, N 65 DEG E 195.76 FT, S 37 DEG E 8.65 FT, S 65 DEG W 195.76 FT, S 51 DEG W 95.84 FT, S 45 DEG W 118.99 FT N 38 DEG W TO
Legal Range31E
Legal Township25S
Legal Section04
Legal SubdivisionLAKE AJAY VLG TRACT E REPLAT
Legal TractE,Q
Legal BlockQ0
Legal Lot NumberQ
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1004
Census Tract43700

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 Record2 Individual Names on Record
Mailing Address3185 WHISPER WIND DR, SAINT CLOUD, FL 34771-7815
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 16, 2002 · Amount on Record
Deed SaleAug 16, 2002 · Amount on Record
Prior SaleJun 25, 1996 · Amount on Record
Deed Book / Page2095 / 1136
Last Transfer DateNov 27, 2009
Transfer Doc0039410909
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3185 WHISPER WIND DR, SAINT CLOUD, FL 34771-7815
Transaction TypeMortgage
Record UpdatedFeb 5, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address3185 WHISPER WIND DR, SAINT CLOUD, FL 34771-7815

Mortgage

Document Number0058301485
DateNov 10, 2020
Book Page5830/1485
Instrument2020154143
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
AddressISELIN, NJ 08830
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term179 Months
DueOct 1, 2035

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$6,373.00 (+4.42%) Homeowner's exemption$449,431 (+5.99%)$819,400 (+12.8%) Land $300,000 Building $519,400
2024$6,103.00 (+2.02%)
2023$5,982.00 Homeowner's exemption$424,044$726,400 Land $300,000 Building $426,400

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.1 ft
Flood Insurance RequirementRequired
federally backed loans
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 78% of the US · above 67% of Florida
Wildfire Likelihood0.5% 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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