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3271 Thunder Cloud Dr, Kissimmee, FL 34746 Property Records

Osceola County property record for 3271 Thunder Cloud Dr, Kissimmee, FL 34746

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,330 sqft · built 1988
Lot Size0.119 acres (5,227 sqft)
OwnerIndividual Name on Record
Last Sale$235,000 (Nov 2020)
Tax Bill$3,554 (2025)
Deeds & MortgagesOct 2020 Mortgage
Nov 2020 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN032528348400014800

Property Details

APN / Parcel Number

Primary APN032528348400014800
Alternative APN
  • 6940

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,330 sqft Heated Area
Gross Area2,023 sqft
1st Floor Area1,330 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1988
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,227 sqft (0.119 acres)
Lot Dimensions95 ft deep x 55 ft wide
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area252 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number6940
Street Address3271 THUNDER CLOUD DR
CityKISSIMMEE
StateFL
Zip34746-4887
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionINDIAN WELLS UNIT 4 PB 4 PG 188 LOT 480
Legal Range28E
Legal Township25S
Legal Section03
Legal SubdivisionINDIAN WELLS UN 4
Legal Tract3484
Legal Block1
Legal Lot Number480
Legal Unit4P
JurisdictionOSCEOLA FL
Township / Civil DivisionKISSIMMEE
Census Block Group2
Census Block2009
Census Tract40809

Owner

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address3271 THUNDER CLOUD DR, KISSIMMEE, FL 34746-4887
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 5, 2020Deed of Trust, Mortgage · FHA Mortgage
PENNYMAC LOAN SERVICES LLC
Nov 3, 2020Warranty Deed, Transfer · FHA Mortgage
COMMERCE HOME MORTGAGE LLC
Jul 19, 2018Loan Modification, Mortgage · Conventional with PMI
PENNYMAC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 3, 2020 · Amount on Record
Deed SaleNov 3, 2020 · Amount on Record
Prior SaleNov 23, 2016 · Amount on Record
Deed Document Number2020149115
Deed Book / Page5825 / 370
Record UpdatedJun 8, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3271 THUNDER CLOUD DR, KISSIMMEE, FL 34746-4887
Transaction TypeMortgage
Record UpdatedFeb 5, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address3271 THUNDER CLOUD DR, KISSIMMEE, FL 34746-4887

Mortgage

Document Number0058051696
DateOct 5, 2020
Book Page5805/1696
Instrument2020132775
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term334 Months
DueAug 1, 2048

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 3, 2020
Property Address3271 THUNDER CLOUD DR, KISSIMMEE, FL 34746-4887
Document Number0058250370
Book / Page5825 / 370
Map ReferenceMB 4 PG 188&189
Instrument DateOct 29, 2020
Instrument2020149115
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyRTR TITLE OF CENTRAL FL LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3271 THUNDER CLOUD DR, 3271, KISSIMMEE, FL 34746-4887

Transferred To (Grantee/Buyer)

NameVerified Name
Address3271 THUNDER CLOUD DR, KISSIMMEE, FL 34746-4887

Mortgage

Document Number0005825372
DateNov 3, 2020
Instrument5825/372
Lender
NameCOMMERCE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050

July 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address3271 THUNDER CLOUD DR, KISSIMMEE, FL 34746-4887
Document Number0053991267
Instrument DateJul 19, 2018
Transaction TypeMortgage
Record UpdatedOct 1, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
Address3271 THUNDER CLOUD DR KISSIMMEE FL 347464887, KISSIMMEE, FL 34746-4887

Mortgage

Document Number0053991267
DateSep 12, 2018
Book Page005399/001267
Instrument136795
Lender
NamePENNYMAC
AddressMOORPARK, CA 93021
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 11, 2048
Interest
Rate TypeFixed Rate
Rate4.25%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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$3,554.00 (+8.78%) Homeowner's exemption$199,470 (+5.99%)$278,900 (+6.78%) Land $85,000 Building $193,900
2023$3,267.00 (+4.58%) Homeowner's exemption$188,203 (+3%)$261,200 (+16.14%) Land $48,000 Building $213,200
2022$3,124.00 Homeowner's exemption$182,722$224,900 Land $40,000 Building $184,900

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 X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 31 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies31 in force

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 RiskModerate
above 67% of the US · above 45% of Florida
Wildfire Likelihood0.2% annual chance
ExposureDirect
burnable vegetation

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 289 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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