5087 Whitewater Way, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5087 Whitewater Way, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 2,412 sqft · built 2007
Lot Size	0.464 acres (20,212 sqft)
Owner	Individual Name on File
Last Sale	$575,000 (Jul 2023)
Tax Bill	$6,336 (2025)
Deeds & Mortgages	Jul 2023 Sale Jul 2021 Line of Credit + 2 more
Flood Zone	Zone X (moderate risk)
APN	`142925`

Property Details

APN / Parcel Number

Primary APN	`142925`
Alternative APN	`072531287500012330`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,412 sqft Heated Area
Gross Area	3,095 sqft
1st Floor Area	2,412 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	20,212 sqft (0.464 acres)
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Open Porch
Porch Area	203 sqft
Deck Area	564 sqft
Patio Area	650 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	142925
Street Address	5087 WHITEWATER WAY
City	SAINT CLOUD
State	FL
Zip	34771-7968
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 233
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	233
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

5087 Whitewater Way is owned and occupied by an individual who bought it in July 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	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968
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
Jul 11, 2023	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Jul 27, 2021	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Dec 17, 2020	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Feb 24, 2017	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2023 · Amount on File
Deed Sale	Jul 11, 2023 · Amount on File
Prior Sale	Dec 17, 2020 · Amount on File
Deed Document Number	2023089359
Deed Book / Page	6439 / 209
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2023
Property Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968
Document Number	0064390209
Book / Page	6439 / 209
Map Reference	MB 19 PG 17&18
Instrument Date	Jun 20, 2023
Instrument	2023089359
Transaction Type	Transfer
Record Updated	Jul 28, 2023
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount on Record
Tax	$4,025.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968

Mortgage

Document Number	0060100794
Date	Jul 27, 2021
Book Page	6010/794
Instrument	2021115846

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	CHARLOTTE, NC 28277

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	121 Months
Due	Aug 17, 2031

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2020
Property Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968
Document Number	0058532350
Book / Page	5853 / 2350
Map Reference	MB 19 PG 17&18
Instrument Date	Dec 15, 2020
Instrument	2020171901
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,695.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4623 YELLOW BAY DR, 4623, KISSIMMEE, FL 34758-2508

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968

Mortgage

Document Number	0058532352
Date	Dec 17, 2020
Instrument	5853/2352

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5087 WHITEWATER WAY, SAINT CLOUD, FL 34771-7968
Document Number	0051102166
Book / Page	005110 / 002166
Instrument Date	Feb 24, 2017
Transaction Type	Mortgage
Record Updated	Apr 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5087 WHITEWATER WAY ST CLOUD FL 347717968, ST CLOUD, FL 34771-7968

Mortgage

Document Number	0051102166
Date	Mar 2, 2017
Book Page	005110/002166
Instrument	33485

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5087 Whitewater Way was $6,336 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,336.00 Homeowner's exemption	$446,755	$466,700 Land $90,000 Building $376,700
2023	$4,578.00 (+12.1%) Homeowner's exemption	$323,516 (+11.1%)	$476,400 (+22.37%) Land $90,000 Building $386,400
2022	$4,084.00 Homeowner's exemption	$291,181	$389,300 Land $80,000 Building $309,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5087 Whitewater Way in Zone X, an area of moderate flood risk, within 500 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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 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 5087 Whitewater Way 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 69% 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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
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: Hotwire Communications.

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