Osceola County property record for 5012 Bessie Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 2,652 sqft · built 2023 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $585,990 (Oct 2024) |
| Tax Bill | $10,461 (2024) |
| Deeds & Mortgages | Apr 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-26-31-0137-0001-4070 |
| Primary APN | 20-26-31-0137-0001-4070 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,652 sqft Living Area |
| Gross Area | 3,479 sqft |
| 1st Floor Area | 2,332 sqft |
| Flooring | Tile |
| Year Built | Built 2023 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 647 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Heating System | HVAC |
|---|
| Street Address | 5012 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 407 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 20 |
| Legal Subdivision | HANOVER LAKES PHS 4 |
| Legal Phase | 4 |
| Legal Lot Number | 407 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County records, as of August 12, 2026
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 | 6150 GULFPORT BLVD S, 104, GULFPORT, FL 33707-3101 |
| Owner Type | Individual |
| Vesting | Life Estate |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2024 · Amount on Record |
| Deed Sale | Oct 22, 2024 · Amount on Record |
| Prior Sale | Feb 11, 2022 · Amount on Record |
| Deed Document Number | 2024134009 |
| Deed Book / Page | 6682 / 1002 |
| Last Transfer Date | Feb 26, 2026 |
| Transfer Doc | 0000048848 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 13, 2026 |
| Property Address | 5012 BESSIE CT, SAINT CLOUD, FL 34772-8773 |
| Document Number | 0000048848 |
| Book / Page | 6954 / 1304 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 202648848 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $70.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Estate |
| Address | 6150 GULFPORT BLVD S, 104, GULFPORT, FL 33707-3101 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2024 | $10,461.00 (+210.51%) | $485,200 (+410.74%) Land $95,000 Building $390,200 | |
| 2023 | $3,369.00 (+8.68%) | $95,000 (+18.75%) Land $95,000 | $95,000 (+18.75%) Land $95,000 |
| 2022 | $3,100.00 | $80,000 Land $80,000 | $80,000 Land $80,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|
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.
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.
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 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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