Osceola County property record for 3418 Waterfront Dr, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,972 sqft · built 2013 |
| Lot Size | 0.205 acres (8,930 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Apr 2018) |
| Tax Bill | $3,324 (2025) |
| Deeds & Mortgages | Sep 2017 Mortgage Apr 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 162357 |
| Primary APN | 162357 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,972 sqft Heated Area |
| Gross Area | 2,520 sqft |
| 1st Floor Area | 1,972 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2013 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,930 sqft (0.205 acres) |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 148 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 162357 |
|---|---|
| Street Address | 3418 WATERFRONT DR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7812 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MALLARD POND PH 3 PB 20 PGS 151-158 LOT 456 |
| 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 | 456 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 43207 |
Source: Osceola County records · APN 162357
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3418 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 01, 2017 | Deed of Trust, Mortgage · VA Mortgage PACIFIC UNION FINANCIAL LLC |
| Apr 16, 2018 | Warranty Deed, Transfer YOUR TITLE CONNECTION LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 16, 2018 · Amount on Record |
| Deed Sale | Apr 16, 2018 · Amount on Record |
| Prior Sale | Dec 04, 2013 · Amount on Record |
| Deed Document Number | 2018059409 |
| Deed Book / Page | 5317 / 1008 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3418 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0052040001 |
|---|---|
| Date | Sep 01, 2017 |
| Book Page | 5204/0001 |
| Instrument | 2017126874 |
| Name | PACIFIC UNION FINANCIAL LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 01, 2047 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 16, 2018 |
| Property Address | 3418 WATERFRONT DR, SAINT CLOUD, FL 34772-7812 |
| Document Number | 0053171008 |
| Book / Page | 005317 / 001008 |
| Instrument Date | Apr 05, 2018 |
| Instrument | 59409 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2018 |
| Title Company | YOUR TITLE CONNECTION LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,750.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3418 WATERFRONT DR ST CLOUD FL 347727812, ST CLOUD, FL 34772-7812 |
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 | $3,324.00 (+6.37%) Homeowner's exemption | $228,585 (+5.99%) | $335,000 (+4.72%) Land $70,000 Building $265,000 |
| 2023 | $3,125.00 (+5.15%) Homeowner's exemption | $215,673 (+4.16%) | $319,900 (+15.91%) Land $60,000 Building $259,900 |
| 2022 | $2,972.00 Homeowner's exemption | $207,062 | $276,000 Land $55,000 Building $221,000 |
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 |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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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