961 Whisler Ct, Saint Cloud, FL 34769 Property Records

Osceola County property record for 961 Whisler Ct, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,798 sqft · built 1991
Lot Size	0.253 acres (11,064 sqft)
Owner	Individual Name on File
Last Sale	$425,000 (Feb 2023)
Tax Bill	$1,042 (2025)
Deeds & Mortgages	Nov 2025 Mortgage Feb 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`80964`

Property Details

APN / Parcel Number

Primary APN	`80964`
Alternative APNs	`012630017700010420` `012630392100010420`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,798 sqft Heated Area
Gross Area	2,778 sqft
1st Floor Area	1,798 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,064 sqft (0.253 acres)
Lot Dimensions	118 ft deep x 95 ft wide
Garage Type	Finished
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	320 sqft
Porch	Open Porch
Porch Area	480 sqft
Deck Area	340 sqft
Fence	Fence
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	80964
Old Parcel Number	012630392100010420
Street Address	961 WHISLER CT
City	SAINT CLOUD
State	FL
Zip	34769-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	ORS2
Legal Description	THE LANDINGS AT LAKE RUNNYMEDE PB 6 PG 65 LOT 42
Legal Range	30E
Legal Township	26S
Legal Section	01
Legal Subdivision	LANDINGS AT LK RUNMD
Legal Tract	177
Legal Block	1
Legal Lot Number	42
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2076
Census Tract	43600

Owner

961 Whisler Ct is owned and occupied by an individual who bought it in February 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	961 WHISLER CT, SAINT CLOUD, FL 34769-3004
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2025	Deed of Trust, Mortgage · Conventional Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 8, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 8, 2023 · Amount on File
Deed Sale	Feb 8, 2023 · Amount on File
Prior Sale	Sep 2, 1997 · Amount on File
Deed Document Number	2023015966
Deed Book / Page	6356 / 143
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	961 WHISLER CT, SAINT CLOUD, FL 34769-3004
Transaction Type	Mortgage
Record Updated	Nov 28, 2025
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	961 WHISLER CT, SAINT CLOUD, FL 34769-3004

Mortgage

Document Number	0068782358
Date	Nov 12, 2025
Book Page	6878/2358
Instrument	2025139340

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 8, 2023
Property Address	961 WHISLER CT, SAINT CLOUD, FL 34769-3004
Document Number	0063560143
Book / Page	6356 / 143
Map Reference	MB 6 PG 65
Instrument Date	Feb 6, 2023
Instrument	2023015966
Transaction Type	Transfer
Record Updated	Sep 20, 2023
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,975.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	961 WHISLER CT, SAINT CLOUD, FL 34769-3004

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	961 WHISLER CT, SAINT CLOUD, FL 34769-3004

Mortgage

Document Number	0006356145
Date	Feb 8, 2023
Instrument	6356/145

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 961 Whisler Ct was $1,042 with exemptions applied.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,042.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$283,005	$313,500 Land $57,000 Building $256,500
2023	$1,803.00 (+39.77%) Homeowner's exemption	$117,120 (+3%)	$282,700 (+16.72%) Land $50,000 Building $232,700
2022	$1,290.00 Homeowner's exemption	$113,709	$242,200 Land $40,000 Building $202,200

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.

Flood

FEMA maps place 961 Whisler Ct in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 148 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	148 in force
Nearby Flood Claims	5 (2016–2022)
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	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

Wildfire risk around 961 Whisler Ct is moderate, ranking above 64% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 64% of the US · lower than 60% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 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 251 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: CenturyLink, T-Mobile, Verizon.

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