5056 Bessie Ct, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5056 Bessie Ct, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 3,170 sqft · built 2023
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$545,546 (Jun 2023)
Tax Bill	$9,612 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`202631013700014180`

Property Details

APN / Parcel Number

Primary APN	`202631013700014180`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,170 sqft Heated Area
Gross Area	3,770 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
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	Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5056 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 418
Legal Subdivision	HANOVER LAKES PHS 4
Legal Phase	4
Legal Lot Number	418
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1041
Census Tract	43301

Owner

5056 Bessie Ct is owned and occupied by an individual who bought it in June 2023.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5056 BESSIE CT, SAINT CLOUD, FL 34772-8773
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.

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2023	Special Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Feb 11, 2022	Special Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2023 · Amount on File
Deed Sale	Jun 5, 2023 · Amount on File
Prior Sale	Feb 11, 2022 · Amount on File
Deed Document Number	2023072103
Deed Book / Page	6419 / 1123
Record Updated	Jun 8, 2026

June 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 5, 2023
Property Address	5056 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0064191123
Book / Page	6419 / 1123
Map Reference	MB 30 PG 97-99
Instrument Date	May 26, 2023
Instrument	2023072103
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,819.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5056 BESSIE CT, SAINT CLOUD, FL 34772-8773

Mortgage

Document Number	0064191125
Date	Jun 5, 2023
Instrument	6419/1125

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

February 2022: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 11, 2022
Property Address	5056 BESSIE CT, SAINT CLOUD, FL 34772-8773
Document Number	0061490116
Book / Page	6149 / 116
Map Reference	MB 30 PG 97-99
Instrument Date	Feb 10, 2022
Instrument	2022023541
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL TTL INS CO

Transaction

Amount	Amount on Record
Tax	$5,418.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 5056 Bessie Ct was $9,612 with a homeowner's exemption.

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	$9,612.00 Homeowner's exemption	$485,400 Land $100,000 Building $385,400	$485,400 Land $100,000 Building $385,400
2023	$3,287.00 (+8.95%)	$95,000 (+18.75%) Land $95,000	$95,000 (+18.75%) Land $95,000
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

FEMA maps place 5056 Bessie Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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

Wildfire risk around 5056 Bessie Ct is moderate, ranking above 57% of the US, with a 0.1% annual chance of 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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