4163 Bob White Trl, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4163 Bob White Trl, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,793 sqft · built 2020
Lot Size	2.53 acres (110,207 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Dec 2017)
Tax Bill	$7,078 (2025)
Deeds & Mortgages	Dec 2019 Construction Loan Dec 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`89109`

Property Details

APN / Parcel Number

Primary APN	`89109`
Alternative APN	`012730495000010360`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,793 sqft Heated Area
Gross Area	4,608 sqft
Upper Floors Area	698 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Fiber Cement Siding
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	110,207 sqft (2.53 acres)
Garage Type	Finished
Pool Area	35 sqft
Deck Area	531 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	89109
Street Address	4163 BOB WHITE TRL
City	SAINT CLOUD
State	FL
Zip	34772-7694
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OAC
Legal Description	S L & I C PB B PG 21 S 1/2 LOT 36 & E 1/2 OF VAC 35 FT R/W ABUTTING W SIDE
Legal Range	30E
Legal Township	27S
Legal Section	01
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
Legal Block	1
Legal Lot Number	36
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 December 11, 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 Record
Mailing Address	4163 BOB WHITE TRL, SAINT CLOUD, FL 34772-7694
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2019	Trustee's Deed, Construction Loan · Construction Mortgage BRANCH BK&TR
Dec 18, 2017	Warranty Deed, Transfer · Commercial Mortgage CENTERSTATE BANK OF FLORIDA NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 18, 2017 · Amount on Record
Deed Sale	Dec 18, 2017 · Amount on Record
Prior Sale	May 31, 2005 · Amount on Record
Deed Document Number	2017179815
Deed Book / Page	5255 / 2750
Record Updated	Jun 8, 2026

December 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2019
Property Address	4163 BOB WHITE TRL, SAINT CLOUD, FL 34772-7694
Document Number	0056360154
Book / Page	005636 / 000154
Instrument Date	Dec 6, 2019
Instrument	158415
Transaction Type	Construction Loan
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2345 NARCOASSEE RD ORLANDO FL 32832, ORLANDO, FL 32832

Mortgage

Document Number	56360154
Date	Dec 6, 2019
Book Page	005636/000154
Instrument	158415

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	204 Months
Due	Dec 5, 2036

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 18, 2017
Property Address	4163 BOB WHITE TRL, SAINT CLOUD, FL 34772-7694
Document Number	0052552750
Book / Page	5255 / 2750
Map Reference	MB B PG21
Instrument Date	Dec 13, 2017
Instrument	2017179815
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	STEWART TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	329 MONTGOMERY CIR, 329, STEPHENS CITY, VA 22655-5934

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3604 YELLOW BIRD CT, SAINT CLOUD, FL 34772-7726

Mortgage

Document Number	2017179816
Date	Dec 18, 2017
Instrument	2017179816

Lender

Name	CENTERSTATE BANK OF FLORIDA NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Dec 30, 2027

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	$7,078.00 (+6.39%) Homeowner's exemption	$500,364 (+5.99%)	$714,700 (+7.18%) Land $164,400 Building $550,300
2023	$6,653.00 (+3.61%) Homeowner's exemption	$472,100 (+3%)	$666,800 (+15.56%) Land $127,800 Building $539,000
2022	$6,421.00 Homeowner's exemption	$458,350	$577,000 Land $113,800 Building $463,200

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
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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