Osceola County property record for 3407 Waterfront Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2008 |
| Square Footage | 1,327 sqft Heated Area |
| Lot Size | 7,492 sqft (0.171 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $159,300 (2008) |
| Tax Bill | $1,247.00 (2025) |
| Primary APN | 151100 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,327 sqft Heated Area |
| Gross Area | 1,909 sqft Gross Area |
| 1st Floor | 1,327 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2008 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 7,492 sqft (0.171 acres) |
| Depth X Width | 120 ft x 62 ft Depth x Width |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Porch | Open Porch |
| Porch Area | 141 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 151100 |
|---|---|
| Street Address | 3407 WATERFRONT DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7813 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 2 PB 19 PG 67-72 LOT 198 |
| 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 | 198 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 2 |
| Census Block | 2003 |
| Census Tract | 43207 |
Source: Osceola County records · APN 151100
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 |
|---|---|
| Mailing Address | 3407 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 06, 2018 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SECRETARY/HSNG & URBAN DEV |
| Dec 20, 2012 | Loan Modification, Mortgage · Conventional Mortgage NATIONSTAR MTG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 23, 2008 · Amount on Record |
| Deed Sale | Oct 23, 2008 · Amount on Record |
| Deed Doc Number | 2008173315 |
| Deed Book / Page | 3755 / 1033 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3407 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0053942109 |
| Instrument Date | Aug 06, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2018 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 3407 WATERFRONT DR ST CLOUD FL 347727813, ST CLOUD, FL 34772-7813 |
| Document Number | 0053942109 |
|---|---|
| Date | Aug 31, 2018 |
| Book Page | 005394/002109 |
| Instrument | 132674 |
| Name | SECRETARY/HSNG & URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Aug 30, 2043 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3407 WATERFRONT DR, SAINT CLOUD, FL 34772-7813 |
| Document Number | 0057960857 |
| Instrument Date | Dec 20, 2012 |
| Transaction Type | Mortgage |
| Record Updated | Oct 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 3407 WATERFRONT DR ST CLOUD FL 347727813, ST CLOUD, FL 34772-7813 |
| Document Number | 0057960857 |
|---|---|
| Date | Sep 18, 2020 |
| Book Page | 005796/000857 |
| Instrument | 125203 |
| Name | NATIONSTAR MTG |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 276 Months |
| Due | Sep 17, 2043 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
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 | $1,247.00 (+8.15%) Homeowner's exemption | $112,544 (+5.99%) | $267,100 (+5.57%) Land $70,000 Building $197,100 |
| 2023 | $1,153.00 (+5.01%) Homeowner's exemption | $106,188 (+3%) | $253,000 (+14.74%) Land $60,000 Building $193,000 |
| 2022 | $1,098.00 Homeowner's exemption | $103,096 | $220,500 Land $55,000 Building $165,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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