5211 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5211 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,300 sqft · built 2014
Lot Size	0.21 acres (9,147 sqft)
Owner	2 Individual Names on File
Last Sale	$661,000 (Jan 2024)
Tax Bill	$7,539 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage Nov 2018 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4423-0001-0140`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4423-0001-0140`
Alternative APN	`253120442300010140`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,300 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,852 sqft
Upper Floors Area	1,448 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	9,147 sqft (0.21 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	306 sqft
Porch	Finished/Open Porch
Porch Area	384 sqft
Deck Area	922 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5211 VILLA ROSA AVE
City	SAINT CLOUD
State	FL
Zip	34771-7849
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NOVA GROVE PB 22 PG 156-157 LOT 14
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	1
Legal Lot Number	14
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1056
Census Tract	43700

Owner

5211 Villa Rosa Ave is owned and occupied by two individuals who bought it in January 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	2 Individual Names on File
Mailing Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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
Jan 18, 2024	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 8, 2018	Deed of Trust, Mortgage · Commercial Mortgage AXOS BANK
Oct 2, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC
Apr 22, 2020	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
Dec 4, 2020	Deed of Trust, Mortgage · VA Mortgage MERIDIAN BANK
Dec 27, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY
May 3, 2019	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 18, 2024 · Amount on File
Deed Sale	Jan 18, 2024 · Amount on File
Prior Sale	May 3, 2019 · Amount on File
Deed Document Number	20247071
Deed Book / Page	6535 / 1600
Prior Transfer Date	Dec 10, 2019
Prior Transfer Doc	0056481102
Record Updated	Jun 8, 2026

January 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 18, 2024
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0065351600
Book / Page	6535 / 1600
Map Reference	MB 22 PG 156&157
Instrument Date	Jan 5, 2024
Instrument	2024007071
Transaction Type	Transfer
Record Updated	Jan 31, 2024
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6270 AUTUMN HILL DR, GAINESVILLE, GA 30506

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0065351602
Date	Jan 18, 2024
Instrument	6535/1602

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2054

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054310810
Date	Nov 8, 2018
Book Page	5431/0810
Instrument	2018166423

Lender

Name	AXOS BANK
Type	Bank
Address	LAS VEGAS, NV 89148

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	6 Months
Due	May 13, 2019

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055982891
Date	Oct 2, 2019
Book Page	5598/2891
Instrument	2019127088

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 2, 2049

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057120474
Date	Apr 22, 2020
Book Page	5712/474
Instrument	2020055352

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Mar 1, 2050

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0058451602
Date	Dec 4, 2020
Book Page	5845/1602
Instrument	2020165364

Lender

Name	MERIDIAN BANK
Type	Bank
Address	BLUE BELL, PA 19422

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2019
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0056481102
Book / Page	005648 / 001102
Instrument Date	Dec 10, 2019
Instrument	168023
Transaction Type	Transfer
Record Updated	Jan 20, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5211 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 3, 2019
Property Address	5211 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0055190825
Book / Page	005519 / 000825
Instrument Date	May 2, 2019
Instrument	57795
Transaction Type	Transfer
Record Updated	May 16, 2019
Title Company	FLORIDA TITLESMITH LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,905.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5211 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849

Mortgage

Document Number	55190827
Date	May 3, 2019
Book Page	005519/000827
Instrument	57796

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 2, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5211 Villa Rosa Ave was $7,539, up 41.8% from the year before.

Source: Osceola County assessment roll, as of November 26, 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	$7,539.00 (+41.82%)	$533,600 Land $75,000 Building $458,600	$533,600 Land $75,000 Building $458,600
2024	$5,316.00 (+2.03%)
2023	$5,210.00 (+3.83%) Homeowner's exemption	$368,720 (+3%)	$507,500 (+14.61%) Land $68,000 Building $439,500
2022	$5,018.00 Homeowner's exemption	$357,981	$442,800 Land $65,000 Building $377,800

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

Flood

FEMA maps place 5211 Villa Rosa Ave in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 330 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 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 5211 Villa Rosa Ave is moderate, ranking above 57% of the US, with a 0.2% 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 71% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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	TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439
Water Source	Groundwater
Last State Inspection	Jan 2025
Also Mapped Here	TOHO WATER AUTHORITY-POINCIANA SYSTEM
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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 363 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile, Xfinity.

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