3416 Waterfront Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3416 Waterfront Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,684 sqft · built 2013
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$166,021 (Aug 2013)
Tax Bill	$2,617 (2025)
Deeds & Mortgages	Dec 2023 Second Mortgage Nov 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`162356`

Property Details

APN / Parcel Number

Primary APN	`162356`
Alternative APN	`272630056500014550`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,684 sqft Heated Area
Gross Area	2,140 sqft
1st Floor Area	1,684 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	438 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	18 sqft
Patio Area	32 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	162356
Street Address	3416 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 3 PB 20 PGS 151-158 LOT 455
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	MALLARD POND PHASE 1 - 3
Legal Phase	3
Legal Tract	565
Legal Block	1
Legal Lot Number	455
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 December 11, 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 Record
Mailing Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPRING EQ LLC
Nov 5, 2021	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Jul 14, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV
Oct 30, 2019	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS
Jun 7, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2013 · Amount on Record
Deed Sale	Aug 21, 2013 · Amount on Record
Prior Sale	Mar 18, 2013 · Amount on Record
Deed Document Number	2013131112
Deed Book / Page	4490 / 2120
Record Updated	Jun 8, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Transaction Type	Mortgage
Record Updated	Jan 5, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812

Mortgage

Document Number	0065191905
Date	Dec 15, 2023
Book Page	6519/1905
Instrument	2023163137

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	CONSHOHOCKEN, PA 19428

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812

Mortgage

Document Number	0060810282
Date	Nov 5, 2021
Book Page	6081/282
Instrument	2021172735

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0057590756
Instrument Date	Jul 14, 2020
Transaction Type	Mortgage
Record Updated	Aug 26, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 WATERFRONT DR ST CLOUD FL 347727812, ST CLOUD, FL 34772-7812

Mortgage

Document Number	0057590756
Date	Jul 22, 2020
Book Page	005759/000756
Instrument	95334

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0056180797
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 19, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 WATERFRONT DR ST CLOUD FL 347727812, ST CLOUD, FL 34772-7812

Mortgage

Document Number	0056180797
Date	Nov 5, 2019
Book Page	005618/000797
Instrument	143345

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 4, 2049

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3416 WATERFRONT DR, SAINT CLOUD, FL 34772-7812
Document Number	0053511131
Instrument Date	Jun 7, 2018
Transaction Type	Mortgage
Record Updated	Aug 7, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3416 WATERFRONT DR ST CLOUD FL 347727812, ST CLOUD, FL 34772-7812

Mortgage

Document Number	0053511131
Date	Jun 15, 2018
Book Page	005351/001131
Instrument	92928

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 14, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$2,617.00 (+6.6%) Homeowner's exemption	$189,139 (+5.99%)	$304,100 (+5.19%) Land $70,000 Building $234,100
2023	$2,455.00 (+3.89%) Homeowner's exemption	$178,456 (+3%)	$289,100 (+15%) Land $60,000 Building $229,100
2022	$2,363.00 Homeowner's exemption	$173,259	$251,400 Land $55,000 Building $196,400

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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