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5364 Whispering Pine Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5364 Whispering Pine Cir, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 2,277 sqft · built 1982
Lot Size0.694 acres (30,274 sqft)
OwnerIndividual Name on Record
Last Sale$420,000 (May 2020)
Tax Bill$4,647 (2025)
Deeds & MortgagesMay 2020 Sale & Mortgage
Flood ZoneZone AE (high risk)
APN89965

Property Details

APN / Parcel Number

Primary APN89965
Alternative APN
  • 052531402500010600

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,277 sqft Heated Area
Gross Area2,863 sqft
1st Floor Area1,871 sqft
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1982
Exterior MaterialBrick
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area30,274 sqft (0.694 acres)
Garage TypeFinished
Garage Area576 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area450 sqft
Pool House144 sqft
PorchEnclosed Porch
Porch Area416 sqft
Deck Area800 sqft
FenceFence
Boat AccessBoat Access

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Account Number89965
Street Address5364 WHISPERING PINE CIR
CitySAINT CLOUD
StateFL
Zip34771-9662
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeOPUD
Legal DescriptionMAJESTIC OAKS SUB PB 2 PG 210 & 211 LOT 60
Legal Range31E
Legal Township25S
Legal Section05
Legal SubdivisionMAJESTIC OAKS & WATERFRONT
Legal Tract4025
Legal Block1
Legal Lot Number60
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3002
Census Tract42800

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address5364 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 6, 2020 · Amount on Record
Deed SaleMay 6, 2020 · Amount on Record
Prior SaleApr 11, 1997 · Amount on Record
Deed Document Number2020060920
Deed Book / Page5718 / 1792
Record UpdatedJun 8, 2026

May 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 6, 2020
Property Address5364 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Document Number0057181792
Book / Page5718 / 1792
Map ReferenceMB 2 PG 210
Instrument DateMay 5, 2020
Instrument2020060920
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address31611 CABANA RYE AVE, 31611, SAN ANTONIO, FL 33576-7187

Transferred To (Grantee/Buyer)

NameVerified Name
Address5364 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662

Mortgage

Document Number0057181794
DateMay 6, 2020
Instrument5718/1794
Lender
NameAMERIFIRST FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,647.00 (+7.05%) Homeowner's exemption$324,842 (+5.99%)$453,000 (+11.49%) Land $110,000 Building $343,000
2023$4,341.00 (+4%) Homeowner's exemption$306,494 (+3%)$406,300 (+15.1%) Land $88,000 Building $318,300
2022$4,174.00 Homeowner's exemption$297,567$353,000 Land $82,500 Building $270,500

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 ZoneZone AE
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood Elevation61.0 ft
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 167 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies167 in force
Nearby Flood Claims15 (2017–2025)
Claims Outside the SFHA1 of 15
Most Recent ClaimJul 2025 · rainfall accumulation
Claims by Event
  • Hurricane Ian, Sep 2022 · 6 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Irma, Sep 2017 · 2 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

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

Wildfire RiskModerate
above 56% of the US · lower than 71% of Florida
Wildfire Likelihood0.1% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 331 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Starlink
Satellite		280 / 30

May also be available: AT&T, Spectrum, Verizon.

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