Osceola County property record for 5365 Whispering Pine Cir, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,975 sqft · built 1984 |
| Lot Size | 0.608 acres (26,528 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,718 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 89967 |
| Primary APN | 89967 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,975 sqft Heated Area |
| Gross Area | 3,248 sqft |
| 1st Floor Area | 1,975 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1984 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 26,528 sqft (0.608 acres) |
| Garage Type | Finished |
| Garage Area | 529 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 624 sqft |
| Deck Area | 72 sqft |
| Boat Access | Boat Access |
| Boat House | 420 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 89967 |
|---|---|
| Street Address | 5365 WHISPERING PINE CIR |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9662 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAJESTIC OAKS SUB PB 2 PG 210 & 211 LOT 62 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 05 |
| Legal Subdivision | MAJESTIC OAKS & WATERFRONT |
| Legal Tract | 4025 |
| Legal Block | 1 |
| Legal Lot Number | 62 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3002 |
| Census Tract | 42800 |
Source: Osceola County records · APN 89967
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 | Individual Name on File |
|---|---|
| Mailing Address | 5365 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Feb 14, 1989 |
| Deed Sale | Feb 14, 1989 |
| Deed Document Number | 0009102513 |
| Record Updated | Jun 08, 2026 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $3,718.00 (+7.52%) Homeowner's exemption | $257,815 (+5.99%) | $432,700 (+10.61%) Land $105,000 Building $327,700 |
| 2023 | $3,458.00 (+4.28%) Homeowner's exemption | $243,253 (+3%) | $391,200 (+14.89%) Land $84,000 Building $307,200 |
| 2022 | $3,316.00 Homeowner's exemption | $236,168 | $340,500 Land $78,800 Building $261,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970428003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | 61.0 ft |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 167 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 167 in force |
| Nearby Flood Claims | 15 (2017–2025) |
| Claims Outside the SFHA | 1 of 15 |
| Most Recent Claim | Jul 2025 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Moderate above 56% of the US · lower than 71% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 331 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Starlink Satellite | 280 / 30 |
May also be available: AT&T, Spectrum, Verizon.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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