Osceola County property record for 3406 Waterfront Dr, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,960 sqft · built 2007 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $233,900 (Oct 2007) |
| Tax Bill | $1,511 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 27-26-30-0564-0001-1910 |
| Primary APN | 27-26-30-0564-0001-1910 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,960 sqft Living Area |
| Gross Area | 2,376 sqft |
| 1st Floor Area | 1,960 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 | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Porch Area | 36 sqft |
| Patio Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3406 WATERFRONT DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7812 |
| 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 191 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 27 |
| Legal Subdivision | MALLARD POND PH 2 |
| Legal Phase | 2 |
| Legal Tract | 564 |
| Legal Block | 1910 |
| Legal Lot Number | 191 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, as of November 26, 2025
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 | 3406 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 18, 2007 · Amount on Record |
| Deed Sale | Oct 18, 2007 · Amount on Record |
| Deed Document Number | 2007188214 |
| Deed Book / Page | 3580 / 1574 |
| Last Transfer Date | Feb 15, 2013 |
| Transfer Doc | 0044152440 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,511.00 (+3.92%) Homeowner's exemption | $127,345 (+5.99%) | $315,400 (+5.13%) Land $70,000 Building $245,400 |
| 2024 | $1,454.00 (+3.49%) | ||
| 2023 | $1,405.00 (+4.62%) Homeowner's exemption | $120,153 (+3%) | $300,000 (+14.94%) Land $60,000 Building $240,000 |
| 2022 | $1,343.00 Homeowner's exemption | $116,654 | $261,000 Land $55,000 Building $206,000 |
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.
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 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 |
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 |
| 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.
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, Lumen Technologies.
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