3405 Waterfront Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3405 Waterfront Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,960 sqft · built 2008
Lot Size	0.171 acres (7,492 sqft)
Owner	Individual Name on File
Last Sale	$404,000 (Oct 2022)
Tax Bill	$4,906 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`151101`

Property Details

APN / Parcel Number

Primary APN	`151101`
Alternative APN	`272630056400011990`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,960 sqft Heated Area
Gross Area	2,376 sqft
1st Floor Area	1,960 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	380 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	36 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	151101
Street Address	3405 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 199
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	199
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
Census Tract	43207

Owner

Source: Osceola County records · APN 151101

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	3405 WATERFRONT DR, SAINT CLOUD, FL 34772-7813
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 04, 2022 · Amount on Record
Deed Sale	Oct 04, 2022 · Amount on Record
Prior Sale	May 20, 2008 · Amount on Record
Deed Document Number	2022147692
Deed Book / Page	6294 / 2060
Record Updated	Jun 08, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 04, 2022
Property Address	3405 WATERFRONT DR, SAINT CLOUD, FL 34772-7813
Document Number	0062942060
Book / Page	6294 / 2060
Map Reference	MB 19 PG 67-72
Instrument Date	Oct 03, 2022
Instrument	2022147692
Transaction Type	Transfer
Record Updated	Oct 25, 2022
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,828.00
Amount Accuracy	Rounded by County
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7006 BEARGRASS RD, 7006, HARMONY, FL 34773-9179

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3405 WATERFRONT DR, SAINT CLOUD, FL 34772-7813

Mortgage

Document Number	0062942062
Date	Oct 04, 2022
Instrument	6294/2062

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,906.00 (+4.87%) Homeowner's exemption	$317,000 (+5%) Land $70,000 Building $247,000	$317,000 (+5%) Land $70,000 Building $247,000
2023	$4,678.00 (+218.45%) Homeowner's exemption	$301,900 (+144.11%) Land $60,000 Building $241,900	$301,900 (+15.1%) Land $60,000 Building $241,900
2022	$1,469.00 Homeowner's exemption	$123,672	$262,300 Land $55,000 Building $207,300

Flood & Wildfire

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

Flood

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

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.