Osceola County property record for 4198 Bob White Trl, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,407 sqft · built 1996 |
| Lot Size | 0.478 acres (20,821 sqft) |
| Owner | Individual Name on File |
| Last Sale | $132,400 (Feb 1996) |
| Tax Bill | $2,420 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 01-27-30-4839-0001-0180 |
| Primary APN | 01-27-30-4839-0001-0180 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,407 sqft Living Area |
| Gross Area | 3,347 sqft |
| 1st Floor Area | 2,407 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 20,821 sqft (0.478 acres) |
| Lot Dimensions | 181 ft deep x 116 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 364 sqft |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 4198 BOB WHITE TRL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7693 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OR1A |
| Legal Description | QUAIL WOOD UNIT ONE PB 7 PG 18 LOT 18 |
| Legal Range | 30E |
| Legal Township | 27S |
| Legal Section | 01 |
| Legal Subdivision | QUAIL WOOD UNIT 1 |
| Legal Tract | 4839 |
| Legal Block | 180 |
| Legal Lot Number | 18 |
| Legal Unit | ON |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 43205 |
4198 Bob White Trl is owned and occupied by an individual who acquired it in June 2004.
Source: Osceola County records, as of March 27, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4198 BOB WHITE TRL, SAINT CLOUD, FL 34772-7693 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 6, 1996 · Amount on File |
| Deed Sale | Feb 6, 1996 · Amount on File |
| Prior Sale | Oct 20, 1995 · Amount on File |
| Deed Book / Page | 1306 / 1444 |
| Last Transfer Date | Jun 24, 2004 |
| Transfer Doc | 0000137747 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4198 BOB WHITE TRL, SAINT CLOUD, FL 34772-7693 |
| Transaction Type | Mortgage |
| Record Updated | Mar 25, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4198 BOB WHITE TRL, SAINT CLOUD, FL 34772-7693 |
| Document Number | 0069341230 |
|---|---|
| Date | Mar 10, 2026 |
| Book Page | 6934/1230 |
| Instrument | 2026030973 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Feb 27, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 4198 Bob White Trl was $2,420 with exemptions applied, up 6.5% from the year before.
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,420.00 (+6.51%) Homeowner's exemption Widower's exemption | $161,228 | $355,700 Land $65,000 Building $290,700 |
| 2024 | $2,272.00 (+2.11%) | ||
| 2023 | $2,225.00 (+2.91%) Homeowner's exemption Widower's exemption | $152,122 (+3%) | $329,100 (+14.71%) Land $45,000 Building $284,100 |
| 2022 | $2,162.00 Homeowner's exemption Widower's exemption | $147,692 | $286,900 Land $45,000 Building $241,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4198 Bob White Trl 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 A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 4198 Bob White Trl is moderate, ranking above 64% of the US, with a 0.3% 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 | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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