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5040 Whitewater Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5040 Whitewater Way, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 3,320 sqft · built 2006
Lot Size0.207 acres (9,017 sqft)
OwnerIndividual Name on File
Last Sale$295,000 (Jan 2018)
Tax Bill$712 (2025)
Deeds & MortgagesApr 2022 Mortgage
Aug 2021 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN142901

Property Details

APN / Parcel Number

Primary APN142901
Alternative APN
  • 072531287500012090

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,320 sqft Heated Area
Gross Area4,214 sqft
1st Floor Area1,972 sqft
Upper Floors Area1,348 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area9,017 sqft (0.207 acres)
Garage TypeFinished
Garage Area560 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool Area38 sqft
PorchOpen Porch
Porch Area334 sqft
Deck Area493 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Account Number142901
Street Address5040 WHITEWATER WAY
CitySAINT CLOUD
StateFL
Zip34771-7970
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLAKE POINTE PH 2B PB 19 PG 17-18 LOT 209
Legal Range31E
Legal Township25S
Legal Section07
Legal SubdivisionLAKE POINTE
Legal Phase2B
Legal Tract2875
Legal Block1
Legal Lot Number209
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1000
Census Tract43600

Owner

Source: Osceola County records · APN 142901

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Apr 29, 2022Deed of Trust, Mortgage · Stand-Alone First Mortgage
POINT DIGITAL FINANCE INC
Aug 09, 2021Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LOAN SERVICING LLC
Aug 17, 2020Loan Modification, Mortgage · Conventional Mortgage
LAKEVIEW LN SERVICING
Jan 17, 2018Special Warranty Deed, Transfer · VA Mortgage
MOVEMENT MORTGAGE

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 17, 2018 · Amount on Record
Deed SaleJan 17, 2018 · Amount on Record
Prior SaleApr 26, 2007 · Amount on Record
Deed Document Number2018009149
Deed Book / Page5270 / 1867
Record UpdatedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Transaction TypeMortgage
Record UpdatedMay 12, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970

Mortgage

Document Number0062032876
DateApr 29, 2022
Book Page6203/2876
Instrument2022067904
Lender
NamePOINT DIGITAL FINANCE INC
TypeMortgage Company
AddressPALO ALTO, CA 94302
Agreement
TypeStand-Alone First Mortgage
AmountAmount Recorded

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Transaction TypeMortgage
Record UpdatedAug 20, 2021

Transferred To (Grantee/Buyer)

NameVerified Name
Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970

Mortgage

Document Number0060182086
DateAug 09, 2021
Book Page6018/2086
Instrument2021122677
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

August 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionOSCEOLA FL
Property Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Document Number0057912411
Instrument DateAug 17, 2020
Transaction TypeMortgage
Record UpdatedSep 28, 2020
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address5040 WHITEWATER WAY ST CLOUD FL 347717970, ST CLOUD, FL 34771-7970

Mortgage

Document Number0057912411
DateSep 11, 2020
Book Page005791/002411
Instrument121412
Lender
NameLAKEVIEW LN SERVICING
TypeFunding / Finance Company
AddressVIRGINIA BEACH, VA 23452
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueSep 10, 2050
Interest
Rate TypeFixed Rate
Rate3.37%

January 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 17, 2018
Property Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970
Document Number0052701867
Book / Page5270 / 1867
Map ReferenceMB19 PG17&18
Instrument DateJan 16, 2018
Instrument2018009149
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,065.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address99 GREGORY AVE # AVEBSMT1, 99, PASSAIC, NJ 07055-4857

Transferred To (Grantee/Buyer)

NameVerified Name
Address5040 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970

Mortgage

Document Number2018009150
DateJan 17, 2018
Instrument2018009150
Lender
NameMOVEMENT MORTGAGE
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (-81.49%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$292,696 (+5.99%)$504,300 (-3.09%) Land $90,000 Building $414,300
2023$3,847.00 (+6.98%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$276,164 (+5.72%)$520,400 (+18.52%) Land $90,000 Building $430,400
2022$3,596.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$261,228$439,100 Land $80,000 Building $359,100

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 120970436001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 278 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies278 in force
Nearby Flood Claims24 (1994–2022)
Claims Outside the SFHA2 of 24
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Sep 2022 · 4 claims
  • Hurricane Ian, Sep 2022 · 3 claims
  • Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire RiskModerate
above 57% of the US · above 29% of Florida
Wildfire LikelihoodAbout 1 in 725 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 314 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

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

Mobile Coverage

5G and 4G LTE

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