5370 Whispering Pine Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5370 Whispering Pine Cir, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,259 sqft · built 1984
Lot Size	0.546 acres (23,784 sqft)
Owner	2 Individual Names on File
Last Sale	$315,000 (Apr 2018)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jan 2017 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`89962`

Property Details

APN / Parcel Number

Primary APN	`89962`
Alternative APN	`052531402500010570`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,259 sqft Heated Area
Gross Area	3,133 sqft
1st Floor Area	2,259 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	23,784 sqft (0.546 acres)
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	480 sqft
Porch	Open Porch
Porch Area	368 sqft
Deck Area	440 sqft
Boat House	654 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89962
Street Address	5370 WHISPERING PINE CIR
City	SAINT CLOUD
State	FL
Zip	34771-9662
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	MAJESTIC OAKS SUB PB 2 PG 210 & 211 LOT 57
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	MAJESTIC OAKS & WATERFRONT
Legal Tract	4025
Legal Block	1
Legal Lot Number	57
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	42800

Owner

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

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	5370 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2017	Deed of Trust, Mortgage · Conventional Mortgage FRANKLIN AMERICAN MORTGAGE CO
Apr 9, 2018	Warranty Deed, Transfer · VA Mortgage PARKSIDE LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 9, 2018 · Amount on Record
Deed Sale	Apr 9, 2018 · Amount on Record
Deed Document Number	2018055442
Deed Book / Page	5313 / 2998
Record Updated	Jun 8, 2026

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5370 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0050870421
Date	Jan 18, 2017
Book Page	5087/0421
Instrument	2017009541

Lender

Name	FRANKLIN AMERICAN MORTGAGE CO
Type	Mortgage Company
Address	PITTSBURGH, PA 15220

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2047

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 9, 2018
Property Address	5370 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Document Number	0053132998
Book / Page	005313 / 002998
Instrument Date	Mar 30, 2018
Instrument	55442
Transaction Type	Transfer
Record Updated	May 23, 2018
Title Company	WATERVIEW TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,205.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5370 WHISPERING PINE CIR ST CLOUD FL 347719662, ST CLOUD, FL 34771-9662

Mortgage

Document Number	53133000
Date	Apr 9, 2018
Book Page	005313/003000
Instrument	55443

Lender

Name	PARKSIDE LNDG
Address	SAN FRANCISCO, CA 94102

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 8, 2048

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$712.00 (-77.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$238,728 (+5.99%)	$458,200 (+10.46%) Land $105,000 Building $353,200
2023	$3,136.00 (+4.5%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$225,243 (+3%)	$414,800 (+13.89%) Land $84,000 Building $330,800
2022	$3,001.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$218,683	$364,200 Land $78,800 Building $285,400

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 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	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 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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

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, 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

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

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

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