5340 WHITE BLOSSOM CIR, SAINT CLOUD, FL 34771-9229
Mortgage
Document Number
0051150741
Date
Mar 10, 2017
Instrument
5115/0741
Lender
Name
FREEDOM MORTGAGE CORP
Type
Subprime Lender
Agreement
Type
VA Mortgage
Amount
Amount on Record
Term
361 Months
Due
Apr 1, 2047
Tax Assessment & Valuation
The 2025 property tax bill for 5221 Villa Rosa Ave was $4,419 with a homeowner's exemption, up 4.9% 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
$4,419.00 (+4.94%)Homeowner's exemption
$308,415
$469,800Land $75,000Building $394,800
2024
$4,211.00 (+2.11%)
2023
$4,124.00 (+4.06%)Homeowner's exemption
$290,995 (+3%)
$451,200 (+15.43%)Land $68,000Building $383,200
2022
$3,963.00Homeowner's exemption
$282,520
$390,900Land $65,000Building $325,900
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Flood
FEMA maps place 5221 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 5221 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