5020 Whitewater Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5020 Whitewater Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 3,402 sqft · built 2007
Lot Size	0.214 acres (9,365 sqft)
Owner	Individual Name on File
Last Sale	$560,000 (Jun 2025)
Tax Bill	$3,581 (2025)
Deeds & Mortgages	Jul 2020 Mortgage Apr 2018 Loan Modification + 2 more
Flood Zone	Zone X (moderate risk)
APN	`142595`

Property Details

APN / Parcel Number

Primary APN	`142595`
Alternative APN	`072531287500012000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,402 sqft Heated Area
Gross Area	4,401 sqft
1st Floor Area	1,570 sqft
Upper Floors Area	1,832 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,365 sqft (0.214 acres)
Garage Type	Finished
Garage Area	618 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	381 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Account Number	142595
Street Address	5020 WHITEWATER WAY
City	SAINT CLOUD
State	FL
Zip	34771-7970
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LAKE POINTE PH 2B PB 19 PG 17-18 LOT 200
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE
Legal Phase	2B
Legal Tract	2875
Legal Block	1
Legal Lot Number	200
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

5020 Whitewater Way is owned and occupied by an individual who bought it in June 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	235 ADELAIDE ST, BELLEVILLE, NJ 07109-2370
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
Jul 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIDFLORIDA CU ISAOA
Apr 23, 2018	Loan Modification, Mortgage · Conventional Mortgage MIDFLORIDA CU
Feb 8, 2018	Deed of Trust, Mortgage · Line of Credit MIDFLORIDA FCU
Nov 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage US SMALL BUSN ADMN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 6, 2025 · Amount on File
Deed Sale	Jun 6, 2025 · Amount on File
Prior Sale	Jun 9, 2011 · Amount on File
Deed Document Number	2025071224
Deed Book / Page	6799 / 2774
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5020 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Document Number	0057551509
Instrument Date	Jul 10, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5020 WHITEWATER WAY ST CLOUD FL 347717970, ST CLOUD, FL 34771-7970

Mortgage

Document Number	0057551509
Date	Jul 15, 2020
Book Page	005755/001509
Instrument	92639

Lender

Name	MIDFLORIDA CU ISAOA
Type	Credit Union
Address	LAKELAND, FL 33802-8008

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5020 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Document Number	0053990852
Instrument Date	Apr 23, 2018
Transaction Type	Mortgage
Record Updated	Oct 1, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5020 WHITEWATER WAY ST CLOUD FL 347717970, ST CLOUD, FL 34771-7970

Mortgage

Document Number	0053990852
Date	Sep 12, 2018
Book Page	005399/000852
Instrument	136702

Lender

Name	MIDFLORIDA CU
Address	LAKELAND, FL 33803

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	324 Months
Due	Sep 11, 2045

Interest

Rate Type	Fixed Rate
Rate	4.62%

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5020 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Document Number	0052880707
Instrument Date	Feb 8, 2018
Transaction Type	Mortgage
Record Updated	Mar 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5020 WHITEWATER WAY ST CLOUD FL 347717970, ST CLOUD, FL 34771-7970

Mortgage

Document Number	0052880707
Date	Feb 19, 2018
Book Page	005288/000707
Instrument	28224

Lender

Name	MIDFLORIDA FCU
Type	Credit Union
Address	LAKELAND, FL 33802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Feb 18, 2028

Interest

Rate Type	Adjustable Rate

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5020 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Document Number	0053420308
Instrument Date	Nov 7, 2017
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5020 WHITEWATER WAY ST CLOUD FL 347717970, ST CLOUD, FL 34771-7970

Mortgage

Document Number	0053420308
Date	May 31, 2018
Book Page	005342/000308
Instrument	84372

Lender

Name	US SMALL BUSN ADMN
Address	BIRMINGHAM, AL 35211

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 30, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 5020 Whitewater Way was $3,581 with a homeowner's exemption.

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	$3,581.00 Homeowner's exemption	$247,949	$501,000 Land $90,000 Building $411,000
2023	$3,328.00 (+4.36%) Homeowner's exemption	$233,944 (+3%)	$516,100 (+16.76%) Land $90,000 Building $426,100
2022	$3,189.00 Homeowner's exemption	$227,131	$442,000 Land $80,000 Building $362,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 5020 Whitewater Way in Zone X, an area of moderate 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
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 5020 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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