5016 Bessie Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5016 Bessie Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,846 sqft · built 2022
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$531,900 (May 2023)
Tax Bill	$12,173 (2025)
Deeds & Mortgages	Jun 2023 Sale May 2023 Sale + 4 more
Flood Zone	Zone X (minimal risk)
APN	`202631013700014080`

Property Details

APN / Parcel Number

Primary APN	`202631013700014080`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,846 sqft Heated Area
Gross Area	4,688 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	216 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5016 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 408
Legal Subdivision	HANOVER LAKES PHS 4
Legal Phase	4
Legal Lot Number	408
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records · APN 202631013700014080

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	1331 184TH PL SE, BOTHELL, WA 98012-7676
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2023	Special Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
May 31, 2023	Special Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Mar 09, 2023	Special Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 08, 2023	Special Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Jan 03, 2023	Special Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Feb 11, 2022	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 31, 2023 · Amount on Record
Deed Sale	May 31, 2023 · Amount on Record
Prior Sale	Mar 09, 2023 · Amount on Record
Deed Document Number	2023069540
Deed Book / Page	6416 / 844
Record Updated	Jun 08, 2026

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2023
Property Address	5016 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0064282447
Book / Page	6428 / 2447
Map Reference	MB 32 PG 42&43
Instrument Date	Jun 15, 2023
Instrument	2023080563
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$4,970.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5007 DOWN CT, SAINT CLOUD, FL 34772-8784
Investor	Possibly a Property Investor

May 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 31, 2023
Property Address	5016 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0064160844
Book / Page	6416 / 844
Map Reference	MB 32 PG 42&43
Instrument Date	May 25, 2023
Instrument	2023069540
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$3,723.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2696 NOTTEL DR, SAINT CLOUD, FL 34772-8776

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 09, 2023
Property Address	5016 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0063690194
Book / Page	6369 / 194
Map Reference	MB 32 PG 42&43
Instrument Date	Feb 28, 2023
Instrument	2023027792
Transaction Type	Transfer
Record Updated	Mar 27, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,163.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5011 DOWN COURT, SAINT CLOUD, FL 34772

Mortgage

Document Number	0006369196
Date	Mar 09, 2023
Instrument	6369/196

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2053

March 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 08, 2023
Property Address	5016 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0063681895
Book / Page	6368 / 1895
Map Reference	MB 32 PG 42&43
Instrument Date	Feb 27, 2023
Instrument	2023027447
Transaction Type	Transfer
Record Updated	Mar 20, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,330.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 S LAKE CIR, CHESAPEAKE, VA 23322-8351

Mortgage

Document Number	0063681897
Date	Mar 08, 2023
Instrument	6368/1897

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2053

January 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 03, 2023
Property Address	5016 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0063382163
Book / Page	6338 / 2163
Map Reference	MB 30 PG 97-99
Instrument Date	Dec 30, 2022
Instrument	2023000017
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,757.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28609 NE 156TH ST, DUVALL, WA 98019-8015

Mortgage

Document Number	2023000018
Date	Jan 03, 2023
Instrument	2023000018

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	366 Months
Due	Jul 01, 2053

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2022
Property Address	5016 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0061490116
Book / Page	6149 / 116
Map Reference	MB 30 PG 97-99
Instrument Date	Feb 10, 2022
Instrument	2022023541
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount Recorded
Tax	$5,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,173.00 (+1.53%)	$579,500 (+1.01%) Land $100,000 Building $479,500	$579,500 (+1.01%) Land $100,000 Building $479,500
2023	$11,990.00 (+286.77%)	$573,700 (+617.13%) Land $95,000 Building $478,700	$573,700 (+617.13%) Land $95,000 Building $478,700
2022	$3,100.00	$80,000 Land $80,000	$80,000 Land $80,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Cost	Premium on Record median of 173 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire Risk	Moderate above 53% of the US · above 23% of Florida
Wildfire Likelihood	About 1 in 680 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 217 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Xfinity	Cable	1,200 / 35
Spectrum	Cable	1,000 / 1,000

May also be available at this address: AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

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5G and 4G LTE

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