5013 Whitewater Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5013 Whitewater Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,390 sqft · built 2005
Lot Size	0.212 acres (9,235 sqft)
Owner	2 Individual Names on File
Last Sale	$62,000 (Mar 2015)
Tax Bill	$3,663 (2025)
Deeds & Mortgages	Mar 2022 Line of Credit Nov 2020 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`122386`

Property Details

APN / Parcel Number

Primary APN	`122386`
Alternative APN	`072531388500011020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,390 sqft Heated Area
Gross Area	3,371 sqft
1st Floor Area	2,390 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,235 sqft (0.212 acres)
Garage Type	Finished
Garage Area	667 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	314 sqft
Patio Area	760 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	122386
Street Address	5013 WHITEWATER WAY
City	SAINT CLOUD
State	FL
Zip	34771-7967
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OPUD
Legal Description	LAKE POINTE PB 16 PGS 90-92 LOT 102
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Tract	3885
Legal Block	1
Legal Lot Number	102
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1010
Census Tract	43600

Owner

5013 Whitewater Way is owned and occupied by two individuals who bought it in March 2015.

Source: Osceola County records, as of December 11, 2025

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	5013 WHITEWATER WAY, SAINT CLOUD, FL 34771-7967
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2022	Deed of Trust, Mortgage · Line of Credit TD BANK NA
Nov 12, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Oct 18, 2017	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2015 · Amount on File
Deed Sale	Mar 19, 2015 · Amount on File
Prior Sale	Mar 20, 2013 · Amount on File
Deed Document Number	2015039206
Deed Book / Page	4751 / 0289
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5013 WHITEWATER WAY, SAINT CLOUD, FL 34771-7967
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5013 WHITEWATER WAY, SAINT CLOUD, FL 34771-7967

Mortgage

Document Number	0061730353
Date	Mar 16, 2022
Book Page	6173/353
Instrument	2022042213

Lender

Name	TD BANK NA
Type	Bank
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5013 WHITEWATER WAY, SAINT CLOUD, FL 34771-7967
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058302779
Date	Nov 12, 2020
Book Page	5830/2779
Instrument	2020154532

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Dec 1, 2035

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5013 WHITEWATER WAY, SAINT CLOUD, FL 34771-7967
Document Number	0052301057
Book / Page	005230 / 001057
Instrument Date	Oct 18, 2017
Transaction Type	Mortgage
Record Updated	Nov 15, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5013 WHITEWATER WAY ST CLOUD FL 347717967, ST CLOUD, FL 34771-7967

Mortgage

Document Number	0052301057
Date	Oct 25, 2017
Book Page	005230/001057
Instrument	153887

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	240 Months
Due	Oct 24, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 5013 Whitewater Way was $3,663 with exemptions applied.

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	$3,663.00 Homeowner's exemption Disabled Person's exemption	$258,820	$435,700 Land $90,000 Building $345,700
2023	$3,401.00 (+2.41%) Homeowner's exemption Disabled Person's exemption	$244,200 (+3%)	$449,600 (+16.18%) Land $90,000 Building $359,600
2022	$3,321.00 Homeowner's exemption Disabled Person's exemption	$237,088	$387,000 Land $80,000 Building $307,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5013 Whitewater Way in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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

Wildfire risk around 5013 Whitewater Way is moderate, ranking above 57% of the US, with a 0.1% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 69% 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	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	2,000 / 250
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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