4105 Bob White Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4105 Bob White Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,912 sqft · built 1998
Lot Size	0.381 acres (16,596 sqft)
Owner	Individual Name on Record
Last Sale	$231,000 (Mar 2003)
Tax Bill	$3,093 (2025)
Deeds & Mortgages	Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-27-30-4843-0001-0390`

Property Details

APN / Parcel Number

Primary APN	`01-27-30-4843-0001-0390`
Alternative APNs	`273001484300010390` `89044`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,912 sqft Living Area
Gross Area	3,720 sqft
1st Floor Area	1,792 sqft
Upper Floors Area	1,120 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	16,596 sqft (0.381 acres)
Lot Dimensions	131 ft deep x 128 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	406 sqft
Porch	Finished/Open Porch
Porch Area	280 sqft
Deck Area	574 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	4105 BOB WHITE CT
City	SAINT CLOUD
State	FL
Zip	34772-7793
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OR1A
Legal Description	QUAIL WOOD UNIT 2 PB 8 PG 34 LOT 39
Legal Range	30E
Legal Township	27S
Legal Section	01
Legal Subdivision	QUAIL WOOD UNIT 2
Legal Tract	4843
Legal Block	390
Legal Lot Number	39
Legal Unit	2P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	43205

Owner

Source: Osceola County records, as of October 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	4105 BOB WHITE CT, SAINT CLOUD, FL 34772-7793
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2003 · Amount on Record
Deed Sale	Mar 18, 2003 · Amount on Record
Prior Sale	Aug 4, 1998 · Amount on Record
Deed Book / Page	2213 / 749
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	4105 BOB WHITE CT, SAINT CLOUD, FL 34772-7793
Transaction Type	Mortgage
Record Updated	Feb 1, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4105 BOB WHITE CT, SAINT CLOUD, FL 34772-7793

Mortgage

Document Number	0065182049
Date	Dec 13, 2023
Book Page	6518/2049
Instrument	2023162293

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,093.00 (+7.77%) Homeowner's exemption	$204,851 (+5.99%)	$419,300 (+7.68%) Land $65,000 Building $354,300
2023	$2,870.00 (+5.24%) Homeowner's exemption	$193,280 (+3%)	$389,400 (+14.33%) Land $45,000 Building $344,400
2022	$2,727.00 Homeowner's exemption	$187,651	$340,600 Land $45,000 Building $295,600

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 X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 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 65% of the US · above 41% of Florida
Wildfire Likelihood	0.3% 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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 147 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Spectrum.

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