5053 Bessie Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5053 Bessie Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,580 sqft · built 2022
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$499,068 (Jun 2022)
Tax Bill	$1,695 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202631013700013900`

Property Details

APN / Parcel Number

Primary APN	`202631013700013900`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,580 sqft Heated Area
Gross Area	3,241 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
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	130 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5053 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 390
Legal Subdivision	HANOVER LAKES PHS 4
Legal Phase	4
Legal Lot Number	390
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	5053 BESSIE CT, SAINT CLOUD, FL 34772-8773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 30, 2022 · Amount on Record
Deed Sale	Jun 30, 2022 · Amount on Record
Deed Document Number	2022102321
Deed Book / Page	6243 / 1794
Record Updated	Jun 8, 2026

June 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2022
Property Address	5053 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0062431794
Book / Page	6243 / 1794
Map Reference	MB 30 PG 97-99
Instrument Date	Jun 29, 2022
Instrument	2022102321
Transaction Type	Transfer
Record Updated	Sep 30, 2025
Title Company	TRINITY TITLE COMPANY/CTRL FL LLC, TRINITY TTL CO OF CTRL FL LL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,493.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE # 5, 5, ORLANDO, FL 32814-6164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5053 BESSIE CT, SAINT CLOUD, FL 34772-8773

Mortgage

Date	Jun 30, 2022

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,695.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$445,400 (-0.11%) Land $100,000 Building $345,400	$445,400 (-0.11%) Land $100,000 Building $345,400
2024	$1,695.00 (+7.55%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$445,900 (+1.36%) Land $95,000 Building $350,900	$445,900 (+1.36%) Land $95,000 Building $350,900
2023	$1,576.00 (-47.76%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$439,900 (+449.88%) Land $95,000 Building $344,900	$439,900 (+449.88%) Land $95,000 Building $344,900
2022	$3,017.00	$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.

Flood

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	Hurricane Irma, Sep 2017 · 8 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% 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	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

Violations Reported to EPA

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.

Internet Providers

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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