Osceola County property record for 3403 Waterfront Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,327 sqft · built 2008 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $226,900 (Apr 2020) |
| Tax Bill | $2,718 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Apr 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 151102 |
| Primary APN | 151102 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,327 sqft Heated Area |
| Gross Area | 1,909 sqft |
| 1st Floor Area | 1,327 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 120 ft deep x 62 ft wide |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 141 sqft |
| Patio Area | 100 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 151102 |
|---|---|
| Street Address | 3403 WATERFRONT DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7813 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 2 PB 19 PG 67-72 LOT 200 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PHASE 1 - 3 |
| Legal Phase | 2 |
| Legal Tract | 564 |
| Legal Block | 1 |
| Legal Lot Number | 200 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 151102
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3403 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 02, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Apr 24, 2020 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Jun 28, 2017 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 24, 2020 · Amount on Record |
| Deed Sale | Apr 24, 2020 · Amount on Record |
| Prior Sale | Mar 05, 2008 · Amount on Record |
| Deed Document Number | 2020056648 |
| Deed Book / Page | 5713 / 1418 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3403 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3403 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0060132151 |
|---|---|
| Date | Aug 02, 2021 |
| Book Page | 6013/2151 |
| Instrument | 2021118846 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55441 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2020 |
| Property Address | 3403 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0057131418 |
| Book / Page | 5713 / 1418 |
| Map Reference | MB 19 PG 67-72 |
| Instrument Date | Apr 24, 2020 |
| Instrument | 2020056648 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,588.30 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3514 KRAMER LN, 3514, ORLANDO, FL 32806-6620 |
| Name | Verified Name |
|---|---|
| Address | 3403 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0057131419 |
|---|---|
| Date | Apr 24, 2020 |
| Instrument | 5713/1419 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3403 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0051750843 |
| Book / Page | 005175 / 000843 |
| Instrument Date | Jun 28, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Sep 20, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3403 WATERFRONT DR ST CLOUD FL 347727813, ST CLOUD, FL 34772-7813 |
| Document Number | 0051750843 |
|---|---|
| Date | Jul 06, 2017 |
| Book Page | 005175/000843 |
| Instrument | 98455 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 05, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.99% |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $2,718.00 (+6.59%) Homeowner's exemption | $194,747 (+5.99%) | $271,400 (+5.48%) Land $70,000 Building $201,400 |
| 2023 | $2,550.00 (+3.87%) Homeowner's exemption | $183,747 (+3%) | $257,300 (+14.76%) Land $60,000 Building $197,300 |
| 2022 | $2,455.00 Homeowner's exemption | $178,396 | $224,200 Land $55,000 Building $169,200 |
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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