5232 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5232 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,399 sqft · built 2015
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Company Names on Record
Last Sale	$518,000 (Jul 2025)
Tax Bill	$7,096 (2025)
Deeds & Mortgages	Sep 2025 Transfer Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4423-0001-0470`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4423-0001-0470`
Alternative APN	`253120442300010470`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,399 sqft Living Area
Gross Area	4,222 sqft
1st Floor Area	1,531 sqft
Upper Floors Area	1,868 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	473 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	350 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5232 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 47
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	470
Legal Lot Number	47
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1055
Census Tract	43700

Owner

Source: Osceola County records, as of June 9, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Apr 18, 2022	Warranty Deed, Transfer · Conventional Mortgage THE MORTGAGE FIRM INC
Feb 17, 2017	Loan Modification, Mortgage · FHA Mortgage IMORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 17, 2025 · Amount on Record
Deed Sale	Jul 17, 2025 · Amount on Record
Prior Sale	Apr 18, 2022 · Amount on Record
Deed Document Number	202589434
Deed Book / Page	6821 / 758
Last Transfer Date	Sep 17, 2025
Transfer Doc	0068550525
Record Updated	Sep 20, 2026

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2025
Property Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0068550525
Book / Page	6855 / 525
Map Reference	MB 22 PG 156&157
Instrument Date	Sep 17, 2025
Instrument	2025119517
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2022
Property Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0061951351
Book / Page	6195 / 1351
Map Reference	MB 22 PG 156&157
Instrument Date	Apr 18, 2022
Instrument	2022060441
Transaction Type	Transfer
Record Updated	May 6, 2022
Title Company	SUNSHINE STATE T&E LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,990.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	154 ANTLER RIDGE CIR, 154, NASHVILLE, TN 37214-4742

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0061951353
Date	Apr 18, 2022
Instrument	6195/1353

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

Mortgage

Document Number	0061981376
Date	Apr 21, 2022
Book Page	6198/1376
Instrument	2022062837

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Mar 1, 2047

February 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5232 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0051270640
Book / Page	005127 / 000640
Instrument Date	Feb 17, 2017
Transaction Type	Mortgage
Record Updated	May 23, 2017
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5232 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849

Mortgage

Document Number	0051270640
Date	Apr 5, 2017
Book Page	005127/000640
Instrument	51099

Lender

Name	IMORTGAGE
Type	Mortgage Company
Address	EWING, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 4, 2047

Interest

Rate Type	Fixed Rate
Rate	3.62%

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	$7,096.00 (-0.24%)	$501,600 (-1.63%) Land $75,000 Building $426,600	$501,600 (-1.63%) Land $75,000 Building $426,600
2024	$7,113.00 (+16.86%) Homeowner's exemption	$509,900 (+18.16%) Land $70,000 Building $439,900	$509,900 (+5.68%) Land $70,000 Building $439,900
2023	$6,087.00 (+45.03%) Homeowner's exemption	$431,524 (+44.22%)	$482,500 (+15.76%) Land $68,000 Building $414,500
2022	$4,197.00 Homeowner's exemption	$299,219	$416,800 Land $65,000 Building $351,800

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	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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