5219 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5219 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,300 sqft · built 2014
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$520,000 (Mar 2023)
Tax Bill	$5,769 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`202531442300010180`

Property Details

APN / Parcel Number

Primary APN	`202531442300010180`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,300 sqft Heated Area
Gross Area	4,184 sqft
1st Floor Area	1,852 sqft
Upper Floors Area	1,448 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	145 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	384 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5219 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 18
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	1
Legal Lot Number	18
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1056
Census Tract	43700

Owner

5219 Villa Rosa Ave is owned and occupied by an individual who bought it in March 2023.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	5219 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 13, 2023	Warranty Deed, Transfer · FHA Mortgage MIDFLORIDA CU
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 13, 2023 · Amount on File
Deed Sale	Mar 13, 2023 · Amount on File
Prior Sale	Sep 22, 2014 · Amount on File
Deed Document Number	2023029075
Deed Book / Page	6370 / 2201
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 13, 2023
Property Address	5219 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0063702201
Book / Page	6370 / 2201
Map Reference	MB 22 PG 156&157
Instrument Date	Mar 10, 2023
Instrument	2023029075
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	THE CLOSING BOUTIQUE LLC, THE CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7819 SILVER MOON CT, SEVERN, MD 21144-3167

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5219 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0063702203
Date	Mar 13, 2023
Instrument	6370/2203

Lender

Name	MIDFLORIDA CU
Type	Credit Union

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5219 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7819 SILVER MOON CT, SEVERN, MD 21144-3167

Mortgage

Document Number	0058002987
Date	Sep 29, 2020
Book Page	5800/2987
Instrument	2020129418

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5219 Villa Rosa Ave was $5,769 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	$5,769.00 Homeowner's exemption	$405,826	$507,100 Land $75,000 Building $432,100
2023	$6,699.00 (+11.91%)	$484,500 (+15.69%) Land $68,000 Building $416,500	$484,500 (+15.69%) Land $68,000 Building $416,500
2022	$5,986.00	$418,800 Land $65,000 Building $353,800	$418,800 Land $65,000 Building $353,800

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

Flood

FEMA maps place 5219 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 5219 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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