5372 Whispering Pine Cir, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5372 Whispering Pine Cir, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,460 sqft · built 1984
Lot Size	0.635 acres (27,704 sqft)
Owner	2 Owner Names on File
Last Sale	$215,000 (Feb 1999)
Tax Bill	$4,214 (2025)
Flood Zone	Zone AE (high risk)
APN	`89961`

Property Details

APN / Parcel Number

Primary APN	`89961`
Alternative APN	`052531402500010560`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,460 sqft Heated Area
Gross Area	3,707 sqft
1st Floor Area	2,460 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,704 sqft (0.635 acres)
Garage Type	Finished
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	512 sqft
Porch	Open Porch
Porch Area	672 sqft
Deck Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	89961
Street Address	5372 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 56
Legal Range	31E
Legal Township	25S
Legal Section	05
Legal Subdivision	MAJESTIC OAKS & WATERFRONT
Legal Tract	4025
Legal Block	1
Legal Lot Number	56
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	42800

Owner

Source: Osceola County records · APN 89961

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	2 Owner Names on File
Mailing Address	5372 WHISPERING PINE CIR, SAINT CLOUD, FL 34771-9662
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 03, 1999 · Amount on Record
Deed Sale	Feb 03, 1999 · Amount on Record
Deed Document Number	0157400353
Deed Book / Page	01574 / 00353
Record Updated	Jun 08, 2026

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,214.00 (+7.23%) Homeowner's exemption	$293,645 (+5.99%)	$497,400 (+10.56%) Land $112,000 Building $385,400
2023	$3,930.00 (+4.13%) Homeowner's exemption	$277,059 (+3%)	$449,900 (+14.74%) Land $89,600 Building $360,300
2022	$3,774.00 Homeowner's exemption	$268,990	$392,100 Land $84,000 Building $308,100

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 167 individual NFIP policies nearby
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 Storm	Hurricane Ian, Sep 2022 · 6 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Irma, Sep 2017 · 2 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 331 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	2,000 / 250
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Spectrum, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.