Osceola County property record for 351 Whistling Duck Trl, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,634 sqft · built 2023 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $520,900 (Apr 2023) |
| Tax Bill | $6,585 (2025) |
| Deeds & Mortgages | Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 282531503700010150 |
| Primary APN | 282531503700010150 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,634 sqft Heated Area |
| Gross Area | 3,192 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2023 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 351 WHISTLING DUCK TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SILVER SPRINGS 2 PB 31 PGS 73-74 LOT 15 |
| Legal Subdivision | SILVER SPRINGS |
| Legal Lot Number | 15 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 43700 |
Source: Osceola County records, as of December 11, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 351 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 4, 2023 · Amount on File |
| Deed Sale | Apr 4, 2023 · Amount on File |
| Deed Document Number | 2023037525 |
| Deed Book / Page | 6381 / 187 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 4, 2023 |
| Property Address | 351 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9367 |
| Document Number | 0063810187 |
| Book / Page | 6381 / 187 |
| Map Reference | MB 31 PG 73&74 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023037525 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | CAREFREE TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,646.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5337 MILLENIA LAKES BLVD STE 410, 410, ORLANDO, FL 32839-6302 |
| Name | Verified Name |
|---|---|
| Address | 351 WHISTLING DUCK TRL, SAINT CLOUD, FL 34771-9367 |
| Document Number | 0006381190 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 6381/190 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 1, 2053 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,585.00 (+340.17%) | $423,900 (+542.27%) Land $71,500 Building $352,400 | $423,900 (+542.27%) Land $71,500 Building $352,400 |
| 2023 | $1,496.00 (+94.79%) | $66,000 (+2%) Land $66,000 | $66,000 (+2%) Land $66,000 |
| 2022 | $768.00 | $55,000 Land $55,000 | $55,000 Land $55,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 File median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 334 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: CenturyLink, Xfinity.
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