Osceola County property record for 3402 Waterfront Dr, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,672 sqft · built 2008 |
| Lot Size | 0.172 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $229,900 (Jun 2019) |
| Tax Bill | $3,068 (2025) |
| Deeds & Mortgages | Mar 2021 Mortgage Jun 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-30-0564-0001-1890 |
| Primary APN | 27-26-30-0564-0001-1890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,672 sqft Living Area |
| Gross Area | 2,177 sqft |
| 1st Floor Area | 1,672 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.172 acres) |
| Lot Dimensions | 120 ft deep x 62 ft wide |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 64 sqft |
| Patio Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3402 WATERFRONT DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 2 PB 19 PG 67-72 LOT 189 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 2 |
| Legal Phase | 2 |
| Legal Tract | 564 |
| Legal Block | 1890 |
| Legal Lot Number | 189 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43207 |
Source: Osceola County records · APN 27-26-30-0564-0001-1890
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 | 3402 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 04, 2021 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Jun 27, 2019 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2019 · Amount on Record |
| Deed Sale | Jun 27, 2019 · Amount on Record |
| Prior Sale | May 28, 2008 · Amount on Record |
| Deed Document Number | 201982837 |
| Deed Book / Page | 5548 / 82 |
| Prior Transfer Date | Jul 22, 2014 |
| Prior Transfer Doc | 0046501363 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3402 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3402 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Document Number | 0059041757 |
|---|---|
| Date | Mar 04, 2021 |
| Book Page | 5904/1757 |
| Instrument | 2021032310 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 27, 2019 |
| Property Address | 3402 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Document Number | 0055480082 |
| Book / Page | 5548 / 0082 |
| Map Reference | MB 19 PG 67-72 |
| Instrument Date | Jun 24, 2019 |
| Instrument | 2019082837 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | ARTESIAN TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,609.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2027 PINE ST, 2027, SAINT CLOUD, FL 34769-5033 |
| Name | Verified Name |
|---|---|
| Address | 3402 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Investor | Possibly a Property Investor |
| Document Number | 0000554884 |
|---|---|
| Date | Jun 27, 2019 |
| Instrument | 5548/84 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2049 |
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 | $3,068.00 (+3.58%) Homeowner's exemption | $214,312 (+5.99%) | $300,200 (+5.11%) Land $70,000 Building $230,200 |
| 2024 | $2,962.00 (+2.78%) | ||
| 2023 | $2,882.00 (+3.74%) Homeowner's exemption | $202,207 (+3%) | $285,600 (+14.98%) Land $60,000 Building $225,600 |
| 2022 | $2,778.00 Homeowner's exemption | $196,318 | $248,400 Land $55,000 Building $193,400 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 66 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 66 in force 57 of 66 on primary residences |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024, other causes, Hurricane Milton |
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 281 per year |
| 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.
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