3302 Whistling Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3302 Whistling Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,251 sqft · built 2006
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$419,000 (Jun 2023)
Tax Bill	$3,653 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jul 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0564-0001-1440`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0564-0001-1440`
Alternative APNs	`263027056400011440` `151045`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,251 sqft Living Area
Gross Area	2,808 sqft
1st Floor Area	927 sqft
Upper Floors Area	1,324 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,492 sqft (0.172 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	116 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3302 WHISTLING TRL
City	SAINT CLOUD
State	FL
Zip	34772-7798
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1B
Legal Description	MALLARD POND PH 2 PB 19 PG 67-72 LOT 144
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 2
Legal Phase	2
Legal Tract	564
Legal Block	1440
Legal Lot Number	144
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	43207

Owner

3302 Whistling Trl is owned and occupied by two individuals who bought it in June 2023.

Source: Osceola County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	518 BEXLEY DR, DAVENPORT, FL 33897-6262
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE AFFINITY LLC
Jul 18, 2018	Loan Modification, Mortgage · VA Mortgage NEW AMERICAN FNDG
Jun 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2023 · Amount on File
Deed Sale	Jun 6, 2023 · Amount on File
Prior Sale	Jul 26, 2016 · Amount on File
Deed Document Number	202372925
Deed Book / Page	6420 / 954
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 6, 2023
Property Address	3302 WHISTLING TRL, SAINT CLOUD, FL 34772-7798
Document Number	0064200954
Book / Page	6420 / 954
Map Reference	MB 19 PG 67-72
Instrument Date	Jun 2, 2023
Instrument	2023072925
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	NOT AVAILABLE, AXIS TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,933.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	571 SW RABBIT AVE, PORT SAINT LUCIE, FL 34953-3144

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	518 BEXLEY DR, DAVENPORT, FL 33897-6262

Mortgage

Document Number	0006420956
Date	Jun 6, 2023
Instrument	6420/956

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2053

July 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3302 WHISTLING TRL, SAINT CLOUD, FL 34772-7798
Document Number	0053722533
Instrument Date	Jul 18, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3302 WHISTLING TRL ST CLOUD FL 347727798, ST CLOUD, FL 34772-7798

Mortgage

Document Number	0053722533
Date	Jul 24, 2018
Book Page	005372/002533
Instrument	113238

Lender

Name	NEW AMERICAN FNDG
Type	Funding / Finance Company
Address	FLINT, MI 48501-2026

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Interest

Rate	4.37%

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3302 WHISTLING TRL, SAINT CLOUD, FL 34772-7798
Document Number	0053722544
Instrument Date	Jun 30, 2018
Transaction Type	Mortgage
Record Updated	May 28, 2019
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3302 WHISTLING TRL ST CLOUD FL 347727798, ST CLOUD, FL 34772-7798

Mortgage

Document Number	0053722544
Date	Jul 24, 2018
Book Page	005372/002544
Instrument	113239

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 23, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3302 Whistling Trl was $3,653 with a homeowner's exemption.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,653.00 Homeowner's exemption	$247,012	$333,600 Land $70,000 Building $263,600
2023	$2,903.00 (+3.75%) Homeowner's exemption	$203,341 (+3%)	$318,600 (+14.94%) Land $60,000 Building $258,600
2022	$2,798.00 Homeowner's exemption	$197,419	$277,200 Land $55,000 Building $222,200

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

FEMA maps place 3302 Whistling Trl in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 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

Wildfire risk around 3302 Whistling Trl is high, ranking above 75% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	High above 75% of the US · above 61% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 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	1 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 166 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, CenturyLink.

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