5001 Bessie Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5001 Bessie Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,846 sqft · built 2022
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$685,474 (Sep 2022)
Tax Bill	$11,609 (2025)
Deeds & Mortgages	Oct 2023 Second Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-26-31-0137-0001-4030`

Property Details

APN / Parcel Number

Primary APN	`20-26-31-0137-0001-4030`
Alternative APN	`263120013700014030`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,846 sqft Living Area
Gross Area	4,688 sqft
1st Floor Area	2,248 sqft
Flooring	Tile

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	11,761 sqft (0.27 acres)
Garage Type	Attached
Garage Area	578 sqft
Porch	Finished/Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	5001 BESSIE CT
City	SAINT CLOUD
State	FL
Zip	34772-8773
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HANOVER LAKES PH 4 PB 30 PGS 97-99 LOT 403
Legal Range	31E
Legal Township	26S
Legal Section	20
Legal Subdivision	HANOVER LAKES PHS 4
Legal Phase	4
Legal Lot Number	403
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records, as of June 11, 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	5001 BESSIE CT, SAINT CLOUD, FL 34772-8773
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Sep 27, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 27, 2022 · Amount on Record
Deed Sale	Sep 27, 2022 · Amount on Record
Deed Document Number	2022145537
Deed Book / Page	6292 / 650
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5001 BESSIE CT, SAINT CLOUD, FL 34772-8773
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 BESSIE CT, SAINT CLOUD, FL 34772-8773

Mortgage

Document Number	0064971555
Date	Oct 30, 2023
Book Page	6497/1555
Instrument	2023142871

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2022
Property Address	5001 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0062920650
Book / Page	6292 / 650
Map Reference	MB 30 PG 97-99
Instrument Date	Sep 26, 2022
Instrument	2022145537
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,798.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE # 450, 450, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5001 BESSIE CT, SAINT CLOUD, FL 34772-8773

Mortgage

Document Number	0006292652
Date	Sep 27, 2022
Instrument	6292/652

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$11,609.00 (+2.61%) Homeowner's exemption	$591,100 (+2.18%) Land $105,000 Building $486,100	$591,100 (+2.18%) Land $105,000 Building $486,100
2023	$11,314.00 (+256.68%) Homeowner's exemption	$578,500 (+588.69%) Land $99,800 Building $478,700	$578,500 (+588.69%) Land $99,800 Building $478,700
2022	$3,172.00	$84,000 Land $84,000	$84,000 Land $84,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 173 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	173 in force
Nearby Flood Claims	14 (1987–2022)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Irma, Sep 2017 · 8 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 52% of the US · lower than 76% of Florida
Wildfire Likelihood	0.1% 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Spectrum Cable	1,000 / 1,000

May also be available: AT&T.

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