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5049 Bessie Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5049 Bessie Ct, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details5 bd · 3 ba · 3,259 sqft · built 2022
Lot Size0.13 acres (5,663 sqft)
OwnerIndividual Name on File
Last Sale$505,400 (Mar 2022)
Tax Bill$10,568 (2025)
Deeds & MortgagesMar 2022 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN202631013700013910

Property Details

APN / Parcel Number

Primary APN202631013700013910

Interior

Bedrooms5 Beds
Full Baths3 Baths
Stories2 Stories
Building Area3,259 sqft Heated Area
Gross Area4,282 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialFiber Cement Siding
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,663 sqft (0.13 acres)
Garage TypeFinished
PorchOpen Porch
Porch Area193 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5049 BESSIE CT
CitySAINT CLOUD
StateFL
Zip34772-8773
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionHANOVER LAKES PH 4 PB 30 PGS 97-99 LOT 391
Legal SubdivisionHANOVER LAKES PHS 4
Legal Phase4
Legal Lot Number391
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1041
Census Tract43301

Owner

Source: Osceola County records · APN 202631013700013910

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 Address5049 BESSIE CT, SAINT CLOUD, FL 34772-8773
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 01, 2022 · Amount on Record
Deed SaleMar 01, 2022 · Amount on Record
Deed Document Number2022033163
Deed Book / Page6161 / 832
Record UpdatedJun 08, 2026

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMar 01, 2022
Property Address5049 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number0061610832
Book / Page6161 / 832
Map ReferenceMB 30 PG 97
Instrument DateFeb 23, 2022
Instrument2022033163
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 22, 2024
Title CompanyLENNAR TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,537.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6675 WESTWOOD BLVD, ORLANDO, FL 32821-8061

Transferred To (Grantee/Buyer)

NameVerified Name
Address5049 BESSIE CT, SAINT CLOUD, FL 34772-8773

Mortgage

Document Number0006161836
DateMar 01, 2022
Instrument6161/836
Lender
NameLENNAR MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$10,568.00 (+1.57%)$520,500 (+1.09%) Land $100,000 Building $420,500$520,500 (+1.09%) Land $100,000 Building $420,500
2023$10,405.00 (+304.23%)$514,900 (+543.63%) Land $95,000 Building $419,900$514,900 (+543.63%) Land $95,000 Building $419,900
2022$2,574.00$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 ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance CostPremium on Record
median of 173 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies173 in force
Nearby Flood Claims14 (1987–2022)
Claims Outside the SFHA2 of 14
Most Recent ClaimSep 2022, river or lake flooding, Hurricane Ian
Claims By Storm
  • Hurricane Irma, Sep 2017 · 8 claims

Wildfire

Wildfire RiskModerate
above 53% of the US · above 23% of Florida
Wildfire LikelihoodAbout 1 in 680 per year
ExposureDirect
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

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable1,200 / 35
SpectrumCable1,000 / 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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