5217 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5217 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,141 sqft · built 2014
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$340,000 (Sep 2019)
Tax Bill	$5,254 (2025)
Deeds & Mortgages	May 2026 Line of Credit Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4423-0001-0170`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4423-0001-0170`
Alternative APN	`253120442300010170`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,141 sqft Living Area
Gross Area	4,119 sqft
1st Floor Area	1,266 sqft
Upper Floors Area	1,875 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Width	60 ft Width
Garage Type	Attached
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	252 sqft
Porch	Finished/Open Porch
Porch Area	428 sqft
Deck Area	548 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5217 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 17
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1056
Census Tract	43700

Owner

5217 Villa Rosa Ave is owned and occupied by two individuals who bought it in September 2019.

Source: Osceola County records, as of May 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5217 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
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
May 8, 2026	Deed of Trust, Mortgage · Line of Credit PENTAGON FEDERAL CREDIT UNION
Sep 27, 2019	Warranty Deed, Transfer · Conventional Mortgage NORTHPOINT MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 27, 2019 · Amount on File
Deed Sale	Sep 27, 2019 · Amount on File
Prior Sale	Jun 1, 2015 · Amount on File
Deed Document Number	2019125636
Deed Book / Page	5597 / 125
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	May 8, 2026
Property Address	5217 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0000061182
Book / Page	6968 / 2404
Instrument Date	May 2, 2026
Instrument	202661182
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5217 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0000061182,
Date	May 8, 2026
Book Page	6968/2404
Instrument	202661182

Lender

Name	PENTAGON FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 17, 2056

Interest

Rate	7.13%
Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 27, 2019
Property Address	5217 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0055970125
Book / Page	5597 / 0125
Map Reference	MB 22 PG 156&157
Instrument Date	Sep 24, 2019
Instrument	2019125636
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 FERDINAND LN, 5, HOWELL, NJ 07731-1160

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5217 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0005597127
Date	Sep 27, 2019
Instrument	5597/127

Lender

Name	NORTHPOINT MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5217 Villa Rosa Ave was $5,254 with a homeowner's exemption, up 4.7% 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	$5,254.00 (+4.66%) Homeowner's exemption	$368,667	$499,300 Land $75,000 Building $424,300
2024	$5,020.00 (+2.07%)
2023	$4,918.00 (+3.86%) Homeowner's exemption	$347,842 (+3%)	$479,100 (+14.62%) Land $68,000 Building $411,100
2022	$4,735.00 Homeowner's exemption	$337,711	$418,000 Land $65,000 Building $353,000

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

Flood

FEMA maps place 5217 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 5217 Villa Rosa Ave is moderate, ranking above 61% 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 61% of the US · lower than 64% 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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