Osceola County property record for 5046 Whitewater Way, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,237 sqft · built 2007 |
| Lot Size | 0.212 acres (9,278 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $393,000 (Feb 2019) |
| Tax Bill | $7,839 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Feb 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 142904 |
| Primary APN | 142904 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,237 sqft Heated Area |
| Gross Area | 4,181 sqft |
| 1st Floor Area | 2,772 sqft |
| Upper Floors Area | 465 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,278 sqft (0.212 acres) |
| Lot Dimensions | 120 ft deep x 77 ft wide |
| Garage Type | Finished |
| Garage Area | 636 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 396 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 308 sqft |
| Deck Area | 568 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 142904 |
|---|---|
| Street Address | 5046 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 212 |
| 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 | 212 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
5046 Whitewater Way is owned and occupied by two individuals who bought it in February 2019.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5046 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970 |
| 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.
| Date | Document |
|---|---|
| Aug 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 15, 2019 | Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 15, 2019 · Amount on File |
| Deed Sale | Feb 15, 2019 · Amount on File |
| Prior Sale | Mar 5, 2008 · Amount on File |
| Deed Document Number | 0005478834 |
| Deed Book / Page | 5478 / 834 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5046 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0060171205 |
|---|---|
| Date | Aug 5, 2021 |
| Book Page | 6017/1205 |
| Instrument | 2021121707 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 324 Months |
| Due | Aug 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 15, 2019 |
| Property Address | 5046 WHITEWATER WAY, SAINT CLOUD, FL 34771-7970 |
| Document Number | 0054780834 |
| Book / Page | 005478 / 000834 |
| Instrument Date | Feb 15, 2019 |
| Instrument | 20253 |
| Transaction Type | Transfer |
| Record Updated | Feb 26, 2019 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,751.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 5046 WHITEWATER WAY ST CLOUD FL 347717970, ST CLOUD, FL 34771-7970 |
| Document Number | 54780836 |
|---|---|
| Date | Feb 15, 2019 |
| Book Page | 005478/000836 |
| Instrument | 20254 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 14, 2049 |
The 2025 property tax bill for 5046 Whitewater Way was $7,839.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,839.00 | $529,800 Land $90,000 Building $439,800 | $529,800 Land $90,000 Building $439,800 |
| 2023 | $7,152.00 (+11.99%) | $545,300 (+15.63%) Land $90,000 Building $455,300 | $545,300 (+15.63%) Land $90,000 Building $455,300 |
| 2022 | $6,386.00 | $471,600 Land $80,000 Building $391,600 | $471,600 Land $80,000 Building $391,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5046 Whitewater Way in Zone X, an area of minimal flood risk, though there have been 24 flood claims nearby since 1994.
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 |
|---|---|
| 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 |
|
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 risk around 5046 Whitewater Way is low, with a 0.06% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · lower than 88% of Florida |
|---|---|
| Wildfire Likelihood | 0.06% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| 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: AT&T, CenturyLink, Hotwire Communications.
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