5366 Whispering Pine Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5366 Whispering Pine Cir, Saint Cloud, FL 34771 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 1995
Square Footage	2,299 sqft Living Area
Lot Size	22,999 sqft (0.528 acres)
Occupancy	Owner Occupied
Last Sale	$770,000 (2023)
Tax Bill	$6,697.00 (2024)

Property Details

APN / Parcel Number

Primary APN	`05-25-31-4025-0001-0590`
Alternative APNs	`253105402500010590` `89964`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Plumbing Fixtures	1 Plumbing Fixtures
Building Area	2,299 sqft Living Area
Gross Area	3,327 sqft Gross Area
1st Floor	1,815 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1995
Exterior Material	Concrete Block Exterior
Construction Type	Masonry/Concrete Masonry Units (CMUs) Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	22,999 sqft (0.528 acres)
Parking Spaces	3 Parking Spaces
Garage Type	Attached Garage
Garage Area	720 sqft Garage

Exterior Amenities

Pool Type	In-Ground Pool Pool Type
Pool Area	38 sqft Pool
Deck Area	180 sqft Deck
Porch Area	792 sqft Porch
Boat Access	Boat Access
Boat House	264 sqft Boat House

Utilities and HVAC

Cooling System	HVAC Cooling
Heating System	Central Heating

Location & Zoning

Street Address	5366 WHISPERING PINE CIR
City	SAINT CLOUD
State	FL
Zip	34771-9662
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	MAJESTIC OAKS SUB PB 2 PGS 210-211 LOT 59
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	MAJESTIC OAKS
Legal Tract	4025
Legal Block	590
Legal Lot Number	59
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3002
Census Tract	42800

Owner

Source: Osceola County records · APN 05-25-31-4025-0001-0590

Assessment roll updated November 26, 2025 · Last verified April 2026

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	5366 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity
Vesting	Husband And Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 12, 2023 · Amount on Record
Deed Sale	May 12, 2023 · Amount on Record
Prior Sale	Mar 16, 2011 · Amount on Record
Deed Doc Number	202360733
Deed Book / Page	6406 / 97
Prior Transfer Date	May 23, 2005
Prior Transfer Doc	0027860555
Record Refreshed	Jun 08, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 12, 2023
Property Address	5366 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Document Number	0064060097
Book / Page	6406 / 97
Map Reference	MB 2 PG 210&211
Instrument Date	May 10, 2023
Instrument	2023060733
Transaction Type	Transfer
Record Updated	May 25, 2023
Title Company	GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,390.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	140 PARKHURST RD, WARWICK, RI 02889-2430

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5366 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662

Mortgage

Document Number	0000640699
Date	May 12, 2023
Instrument	6406/99

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,311.00 (+9.17%)	$476,300 (+60.09%) Land $105,000 Building $371,300	$476,300 (+10.9%) Land $105,000 Building $371,300
2024	$6,697.00 (+978.42%)
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$297,515 (+3%)	$429,500 (+6.84%) Land $84,000 Building $345,500
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$288,850	$402,000 Land $78,800 Building $323,200

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone AE
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Special Flood Hazard Area	Yes
Flood Insurance Requirement	Required (federally backed mortgages)
Floodway	No
Base Flood Elevation	61.0 ft

Wildfire

Wildfire Risk	Moderate above 57% of the US · above 28% of Florida
Wildfire Likelihood	About 1 in 671 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.