5231 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5231 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 4.5 ba · 3,820 sqft · built 2015
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Sep 2026)
Tax Bill	$8,531 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4423-0001-0230`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4423-0001-0230`
Alternative APN	`253120442300010230`

Interior

Bedrooms	6 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,820 sqft Living Area
Gross Area	4,704 sqft
1st Floor Area	1,852 sqft
Upper Floors Area	1,968 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Frame/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	283 sqft
Porch	Slab
Porch Area	384 sqft
Deck Area	472 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5231 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 23
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	230
Legal Lot Number	23
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

Source: Osceola County records, as of October 13, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2237 SETTLERS TRL, ORLANDO, FL 32837-7004
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWINDS CREDIT UNION
Sep 16, 2019	Grant Deed, Mortgage · Line of Credit MORGAN STANLEY MTG CAP HOLDING
Mar 5, 2019	Warranty Deed, Transfer STEWART TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2026 · Amount on Record
Deed Sale	Sep 29, 2026 · Amount on Record
Prior Sale	Mar 5, 2019 · Amount on Record
Deed Document Number	2026125584
Deed Book / Page	7041 / 1626
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2026
Property Address	5231 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0000125584
Book / Page	7041 / 1626
Instrument Date	Sep 18, 2026
Instrument	2026125584
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	REALTECH TITLE LLC, REALTECH TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2237 SETTLERS TRL, ORLANDO, FL 32837-7004

Mortgage

Document Number	0000125585,
Date	Sep 29, 2026
Instrument	2026125585

Lender

Name	FAIRWINDS CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2019: Grant Deed, Mortgage

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 16, 2019
Property Address	5231 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0055892671
Book / Page	005589 / 002671
Instrument Date	Jul 31, 2019
Instrument	118855
Transaction Type	Mortgage
Record Updated	Oct 1, 2019
Title Company	STEWART TITLE, STEWART TITLE GUARANTY CO

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	120 S RIVERSIDE PLZ #2000 CHICAGO IL 606066995, 2000, CHICAGO, IL 60606-6995

Mortgage

Document Number	55892671
Date	Sep 16, 2019
Book Page	005589/002671
Instrument	118855

Lender

Name	MORGAN STANLEY MTG CAP HOLDING
Type	Mortgage Company
Address	1585 BROADWAY # 24TH, NEW YORK, NY 10036-8200

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2019
Property Address	5231 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0054862598
Book / Page	005486 / 002598
Instrument Date	Mar 5, 2019
Instrument	28264
Transaction Type	Transfer
Record Updated	Mar 19, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Tax	$2,730.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	180 N STETSON AVE #3650 CHICAGO IL 606016709, 3650, CHICAGO, IL 60601-6709
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$8,531.00 (+5.83%)	$587,300 (+3.73%) Land $75,000 Building $512,300	$587,300 (+3.73%) Land $75,000 Building $512,300
2024	$8,061.00 (+6.29%)
2023	$7,584.00 (+11.79%)	$566,200 (+15.15%) Land $68,000 Building $498,200	$566,200 (+15.15%) Land $68,000 Building $498,200
2022	$6,784.00	$491,700 Land $65,000 Building $426,700	$491,700 Land $65,000 Building $426,700

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

Flood

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 Record 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

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	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
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.

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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