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3413 Waterfront Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3413 Waterfront Dr, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,672 sqft · built 2008
Lot Size0.23 acres (10,019 sqft)
OwnerIndividual Name on File
Last Sale$365,000 (May 2023)
Tax Bill$4,546 (2025)
Deeds & MortgagesMay 2023 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN151098

Property Details

APN / Parcel Number

Primary APN151098
Alternative APN
  • 272630056400011960

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,672 sqft Heated Area
Gross Area2,241 sqft
1st Floor Area1,672 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2008
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,019 sqft (0.23 acres)
Garage TypeFinished
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchOpen Porch
Porch Area128 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number151098
Street Address3413 WATERFRONT DR
CitySAINT CLOUD
StateFL
Zip34772-7813
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionMALLARD POND PH 2 PB 19 PG 67-72 LOT 196
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionMALLARD POND PHASE 1 - 3
Legal Phase2
Legal Tract564
Legal Block1
Legal Lot Number196
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2003
Census Tract43207

Owner

Source: Osceola County records · APN 151098

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address3413 WATERFRONT DR, SAINT CLOUD, FL 34772-7813
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMay 16, 2023 · Amount on Record
Deed SaleMay 16, 2023 · Amount on Record
Prior SaleNov 22, 2011 · Amount on Record
Deed Document Number2023062315
Deed Book / Page6407 / 2414
Record UpdatedJun 08, 2026

May 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 16, 2023
Property Address3413 WATERFRONT DR, SAINT CLOUD, FL 34772-7813
Document Number0064072414
Book / Page6407 / 2414
Map ReferenceMB 19 PG 67-72
Instrument DateMay 10, 2023
Instrument2023062315
Transaction TypeTransfer
Record UpdatedMay 25, 2023
Title CompanyLAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,555.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3292 WISE WAY, THE VILLAGES, FL 32163-0163

Transferred To (Grantee/Buyer)

NameVerified Name
Address3413 WATERFRONT DR, SAINT CLOUD, FL 34772-7813

Mortgage

Document Number0064072416
DateMay 16, 2023
Instrument6407/2416
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2053

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$4,546.00 (+2.99%) Homeowner's exemption$296,900 (+5.51%) Land $70,000 Building $226,900$296,900 (+5.51%) Land $70,000 Building $226,900
2023$4,414.00 (+11.61%)$281,400 (+14.95%) Land $60,000 Building $221,400$281,400 (+14.95%) Land $60,000 Building $221,400
2022$3,955.00$244,800 Land $55,000 Building $189,800$244,800 Land $55,000 Building $189,800

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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 66 individual NFIP policies nearby
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, other causes, Hurricane Milton

Wildfire

Wildfire RiskHigh
above 72% of the US · above 55% of Florida
Wildfire LikelihoodAbout 1 in 281 per year
ExposureDirect
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 166 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000

May also be available at this address: Lumen Technologies, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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