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3408 Waterfront Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3408 Waterfront Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 3,424 sqft · built 2007
Lot Size0.195 acres (8,494 sqft)
OwnerIndividual Name on File
Last Sale$240,000 (Nov 2007)
Tax Bill$2,471 (2025)
Deeds & MortgagesNov 2020 Mortgage
Jun 2020 Transfer
Flood ZoneZone X (minimal risk)
APN27-26-30-0564-0001-1920

Property Details

APN / Parcel Number

Primary APN27-26-30-0564-0001-1920
Alternative APNs
  • 263027056400011920
  • 151094

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,424 sqft Living Area
Gross Area3,905 sqft
1st Floor Area1,544 sqft
Upper Floors Area1,880 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleL-Shape
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,494 sqft (0.195 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area40 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address3408 WATERFRONT DR
CitySAINT CLOUD
StateFL
Zip34772-7812
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR1B
Legal DescriptionMALLARD POND PH 2 PB 19 PG 67-72 LOT 192
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PH 2
Legal Phase2
Legal Tract564
Legal Block1920
Legal Lot Number192
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2004
Census Tract43207

Owner

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 RecordIndividual Name on File
Mailing Address3408 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 9, 2020Deed of Trust, Mortgage · Conventional Mortgage
QUICKEN LOANS LLC
Jun 24, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 15, 2007 · Amount on Record
Deed SaleNov 15, 2007 · Amount on Record
Deed Document Number2007204577
Deed Book / Page3595 / 1961
Last Transfer DateMar 9, 2020
Transfer Doc0057422223
Record UpdatedJun 8, 2026

November 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3408 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Transaction TypeMortgage
Record UpdatedAug 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058282706
DateNov 9, 2020
Book Page5828/2706
Instrument2020152517
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2050

June 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateJun 24, 2020
Property Address3408 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number0057422223
Book / Page005742 / 002223
Instrument DateMar 9, 2011
Instrument81111
Transaction TypeTransfer
Record UpdatedJul 30, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3408 WATERFRONT DR ST CLOUD FL 347727812, ST CLOUD, FL 34772-7812

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$2,471.00 (+3.65%) Homeowner's exemption$180,964 (+5.99%)$382,000 (-3.29%) Land $70,000 Building $312,000
2024$2,384.00 (+2.94%)
2023$2,316.00 (+3.95%) Homeowner's exemption$170,742 (+3%)$395,000 (+15.43%) Land $60,000 Building $335,000
2022$2,228.00 Homeowner's exemption$165,769$342,200 Land $55,000 Building $287,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 71% of the US · above 54% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 166 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000

May also be available: AT&T, Lumen Technologies.

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