Osceola County property record for 3401 Waterfront Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,746 sqft · built 2007 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $135,200 (Apr 2022) |
| Tax Bill | $3,905 (2025) |
| Deeds & Mortgages | Apr 2022 Mortgage Nov 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-30-0564-0001-2010 |
| Primary APN | 27-26-30-0564-0001-2010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,746 sqft Living Area |
| Gross Area | 3,250 sqft |
| 1st Floor Area | 2,746 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2007 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 63 sqft |
| Patio Area | 700 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3401 WATERFRONT DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7813 |
| 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 201 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 2 |
| Legal Phase | 2 |
| Legal Tract | 564 |
| Legal Block | 1 |
| Legal Lot Number | 201 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0564-0001-2010
Assessment roll updated November 26, 2025 · Last verified April 2026
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 | 3401 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 18, 2022 | Intrafamily Transfer, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Nov 06, 2019 | Warranty Deed, Transfer · FHA Mortgage AMERICAN FINANCIAL NETWORK INC |
| Apr 29, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 18, 2022 · Amount on Record |
| Deed Sale | Apr 18, 2022 · Amount on Record |
| Prior Sale | Nov 06, 2019 · Amount on Record |
| Deed Document Number | 202260341 |
| Deed Book / Page | 6195 / 883 |
| Prior Transfer Date | Apr 11, 2022 |
| Prior Transfer Doc | 0061950883 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 18, 2022 |
| Property Address | 3401 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0061950883 |
| Book / Page | 6195 / 883 |
| Map Reference | MB 19 PG 67 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 2022060341 |
| Transaction Type | Transfer |
| Record Updated | May 06, 2022 |
| Title Company | CORTITLE LLC, CORETITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3401 WATERFRONT DR, 3401, SAINT CLOUD, FL 34772-7813 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3401 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0006195885 |
|---|---|
| Date | Apr 18, 2022 |
| Instrument | 6195/885 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 06, 2019 |
| Property Address | 3401 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0056191127 |
| Book / Page | 5619 / 1127 |
| Map Reference | MB 19 PG 67-72 |
| Instrument Date | Oct 29, 2019 |
| Instrument | 2019144400 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | SMART INTERNATIONAL TTL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,995.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 4960, CAGUAS, PR 00726-4960 |
| Name | Verified Name |
|---|---|
| Address | 3401 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0056191129 |
|---|---|
| Date | Nov 06, 2019 |
| Instrument | 5619/1129 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2049 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 29, 2019 |
| Property Address | 3401 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0055141960 |
| Book / Page | 005514 / 001960 |
| Instrument Date | Apr 26, 2019 |
| Instrument | 53849 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3401 WATERFRONT DR ST CLOUD FL 347727813, ST CLOUD, FL 34772-7813 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,905.00 (+3.5%) Homeowner's exemption | $261,095 (+5.99%) | $341,200 (-2.82%) Land $70,000 Building $271,200 |
| 2024 | $3,773.00 (+2.61%) | ||
| 2023 | $3,677.00 (+3.55%) Homeowner's exemption | $246,347 (+3%) | $351,100 (+14.96%) Land $60,000 Building $291,100 |
| 2022 | $3,551.00 Homeowner's exemption | $239,172 | $305,400 Land $55,000 Building $250,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 66 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
| Wildfire Risk | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
May also be available: AT&T, Lumen Technologies.
Based on FCC filings for 166 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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