3410 Waterfront Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3410 Waterfront Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,746 sqft · built 2007
Lot Size	0.213 acres (9,278 sqft)
Owner	2 Individual Names on Record
Last Sale	$412,000 (Mar 2023)
Tax Bill	$6,116 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Oct 2022 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0564-0001-1930`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0564-0001-1930`
Alternative APNs	`263027056400011930` `151095`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,746 sqft Living Area
Gross Area	3,390 sqft
1st Floor Area	2,746 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	9,278 sqft (0.213 acres)
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	203 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3410 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 193
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PH 2
Legal Phase	2
Legal Tract	564
Legal Block	1930
Legal Lot Number	193
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	43207

Owner

Source: Osceola County records, as of April 7, 2026

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 Record
Mailing Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Mar 9, 2023	Special Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Oct 17, 2022	Warranty Deed, Transfer
Oct 14, 2021	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Aug 5, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 3, 2019	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jan 2, 2018	Warranty Deed, Transfer · Conventional Mortgage ALKAN MORTGAGE CORP
Mar 16, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 9, 2023 · Amount on Record
Deed Sale	Mar 9, 2023 · Amount on Record
Prior Sale	Oct 17, 2022 · Amount on Record
Deed Document Number	202327847
Deed Book / Page	6369 / 478
Prior Transfer Date	Mar 16, 2017
Prior Transfer Doc	0051171734
Record Updated	Jun 8, 2026

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 9, 2023
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0063690478
Book / Page	6369 / 478
Map Reference	MB 19 PG 67-72
Instrument Date	Mar 6, 2023
Instrument	2023027847
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,884.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1099 STEWART ST STE 600, 600, SEATTLE, WA 98101-2161

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812

Mortgage

Document Number	0063690480
Date	Mar 9, 2023
Book Page	6369/480
Instrument	2023027848

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	SHERIDAN, CA 95681

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 17, 2022
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0063002014
Book / Page	6300 / 2014
Map Reference	MB 19 PG 67-72
Instrument Date	Oct 14, 2022
Instrument	2022153468
Transaction Type	Transfer
Record Updated	Nov 1, 2022

Transaction

Amount	Amount Recorded
Tax	$2,800.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2106 WESTFIELD DR, 2106, VALDOSTA, GA 31602-2120

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1099 STEWART ST STE 600, 600, SEATTLE, WA 98101-2161
Investor	Possibly a Property Investor

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Transaction Type	Mortgage
Record Updated	Oct 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812

Mortgage

Document Number	0060650530
Date	Oct 14, 2021
Book Page	6065/530
Instrument	2021159938

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057682122
Date	Aug 5, 2020
Book Page	5768/2122
Instrument	2020102551

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0055422464
Instrument Date	Jun 3, 2019
Transaction Type	Mortgage
Record Updated	Jul 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 WATERFRONT DR ST CLOUD FL 347727812, ST CLOUD, FL 34772-7812

Mortgage

Document Number	0055422464
Date	Jun 18, 2019
Book Page	005542/002464
Instrument	78168

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 2, 2018
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0052612561
Book / Page	5261 / 2561
Map Reference	MB19 PG67-72
Instrument Date	Dec 29, 2017
Instrument	2018000100
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST INTERNATIONAL TITLE IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,676.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	48 SEACREST DR, 48, ORMOND BEACH, FL 32176-3228

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812

Mortgage

Document Number	2018000101
Date	Jan 2, 2018
Instrument	2018000101

Lender

Name	ALKAN MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 16, 2017
Property Address	3410 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0051171734
Book / Page	005117 / 001734
Instrument Date	Mar 16, 2017
Instrument	40536
Transaction Type	Transfer
Record Updated	Apr 12, 2017

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9576 EVANESCENT WAY #1205 ORLANDO FL 328365533, 1205, ORLANDO, FL 32836-5533

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,116.00 (-6.97%)	$341,500 (-2.84%) Land $70,000 Building $271,500	$341,500 (-2.84%) Land $70,000 Building $271,500
2024	$6,574.00 (+3.79%)
2023	$6,334.00 (+80.4%)	$351,500 (+48.33%) Land $60,000 Building $291,500	$351,500 (+15.25%) Land $60,000 Building $291,500
2022	$3,511.00 Homeowner's exemption	$236,978	$305,000 Land $55,000 Building $250,000

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 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.

Wildfire

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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, CenturyLink.

Nearby Properties on Waterfront Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures