3430 Westshore Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3430 Westshore Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,924 sqft · built 1990
Lot Size	4.73 acres (206,038 sqft)
Owner	2 Individual Names on File
Last Sale	$610,000 (Sep 2026)
Tax Bill	$6,953 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Nov 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`29-26-31-4950-0001-0740`

Property Details

APN / Parcel Number

Primary APN	`29-26-31-4950-0001-0740`
Alternative APNs	`263129495000010740` `98237`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,924 sqft Living Area
Gross Area	2,772 sqft
1st Floor Area	1,924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	206,038 sqft (4.73 acres)
Lot Dimensions	200 ft deep x 330 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	408 sqft
Patio Area	360 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3430 WESTSHORE DR
City	SAINT CLOUD
State	FL
Zip	34772-7534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 51 LOT 74
Legal Range	31E
Legal Township	26S
Legal Section	29
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	740
Legal Lot Number	74
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1039
Census Tract	43301

Owner

3430 Westshore Dr is owned and occupied by two individuals who bought it in September 2026.

Source: Osceola County records, as of September 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3430 WESTSHORE DR, SAINT CLOUD, FL 34772-7534
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Warranty Deed, Transfer · Conventional Mortgage TD BANK
Nov 17, 2020	Grant Deed, Transfer ATTORNEY ONLY
Feb 3, 2017	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 11, 2026 · Amount on File
Deed Sale	Sep 11, 2026 · Amount on File
Prior Sale	Nov 17, 2020 · Amount on File
Deed Document Number	2026118367
Deed Book / Page	7033 / 1407
Prior Transfer Date	Nov 9, 2010
Prior Transfer Doc	0040592171
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 11, 2026
Property Address	3430 WESTSHORE DR, SAINT CLOUD, FL 34772-7534
Document Number	0000118367
Book / Page	7033 / 1407
Instrument Date	Sep 4, 2026
Instrument	2026118367
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$431,270.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 WESTSHORE DR, SAINT CLOUD, FL 34772-7534

Mortgage

Document Number	0000118368,
Date	Sep 11, 2026
Instrument	2026118368

Lender

Name	TD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2020
Property Address	3430 WESTSHORE DR, SAINT CLOUD, FL 34772-7534
Document Number	0058340448
Book / Page	005834 / 000448
Instrument Date	Aug 25, 2020
Instrument	156949
Transaction Type	Transfer
Record Updated	Dec 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,225.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3725 HICKORY TREE RD ST CLOUD FL 347727549, ST CLOUD, FL 34772-7549

February 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	OSCEOLA FL
Recording Date	Feb 3, 2017
Property Address	3430 WESTSHORE DR, SAINT CLOUD, FL 34772-7534
Document Number	0050971032
Book / Page	005097 / 001032
Instrument Date	Dec 6, 2016
Instrument	19363
Transaction Type	Transfer
Record Updated	Feb 27, 2017
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3430 WESTSHORE DR ST CLOUD FL 347727534, ST CLOUD, FL 34772-7534

Tax Assessment & Valuation

The 2025 property tax bill for 3430 Westshore Dr was $6,953, up 6.8% from the year before.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,953.00 (+6.76%)	$475,300 Land $189,200 Building $286,100	$475,300 Land $189,200 Building $286,100
2024	$6,513.00 (+6.56%)
2023	$6,112.00 (+18.84%)	$445,000 (+36.17%) Land $165,600 Building $279,400	$445,000 (+36.17%) Land $165,600 Building $279,400
2022	$5,143.00	$326,800 Land $165,600 Building $161,200	$326,800 Land $165,600 Building $161,200

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

Flood

FEMA maps place 3430 Westshore Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 claims

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

Wildfire risk around 3430 Westshore Dr is moderate, ranking above 65% of the US, with a 0.3% annual chance of wildfire.

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

Wildfire Risk	Moderate above 65% of the US · above 43% of Florida
Wildfire Likelihood	0.3% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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