Osceola County property record for 5041 Bessie Ct, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,949 sqft · built 2022 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $461,400 (Jan 2022) |
| Tax Bill | $9,190 (2025) |
| Deeds & Mortgages | Jan 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202631013700013930 |
| Primary APN | 202631013700013930 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,949 sqft Heated Area |
| Gross Area | 3,653 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 5,663 sqft (0.13 acres) |
| Garage Type | Finished |
| Porch | Finished/Screened Porch |
| Porch Area | 150 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 5041 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 393 |
| Legal Subdivision | HANOVER LAKES PHS 4 |
| Legal Phase | 4 |
| Legal Lot Number | 393 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1041 |
| Census Tract | 43301 |
Source: Osceola County assessment roll, as of July 1, 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 | 5041 BESSIE CT, SAINT CLOUD, FL 34772-8773 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 19, 2022 · Amount on Record |
| Deed Sale | Jan 19, 2022 · Amount on Record |
| Deed Document Number | 2022009981 |
| Deed Book / Page | 6132 / 617 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 19, 2022 |
| Property Address | 5041 BESSIE CT, SAINT CLOUD, FL 34772-8773 |
| Document Number | 0061320617 |
| Book / Page | 6132 / 617 |
| Map Reference | MB 30 PG 97 |
| Instrument Date | Jan 18, 2022 |
| Instrument | 2022009981 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | LENNAR TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,229.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6675 WESTWOOD BLVD # BLVD5TH, BLVD5TH, ORLANDO, FL 32821-8061 |
| Name | Verified Name |
|---|---|
| Address | 5041 BESSIE COURT, SAINT CLOUD, FL 34772-8773 |
| Document Number | 0006132621 |
|---|---|
| Date | Jan 19, 2022 |
| Instrument | 6132/621 |
| Name | LENNAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
Source: Osceola County assessment roll, as of July 1, 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 |
|---|---|---|---|
| 2025 | $9,190.00 (-6.18%) Homeowner's exemption | $486,600 (+1.16%) Land $100,000 Building $386,600 | $486,600 (+1.16%) Land $100,000 Building $386,600 |
| 2023 | $9,795.00 (+280.54%) | $481,000 (+501.25%) Land $95,000 Building $386,000 | $481,000 (+501.25%) Land $95,000 Building $386,000 |
| 2022 | $2,574.00 | $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 at the parcel |
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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