5233 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5233 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,141 sqft · built 2015
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$622,000 (Oct 2024)
Tax Bill	$7,368 (2025)
Deeds & Mortgages	May 2020 Mortgage Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531442300010240`

Property Details

APN / Parcel Number

Primary APN	`202531442300010240`

Interior

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

Exterior

Year Built	Built 2015
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	155 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Open Porch
Porch Area	428 sqft
Deck Area	600 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5233 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 24
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	1
Legal Lot Number	24
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 December 11, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5233 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHRISTENSEN FINANCIAL INC
Sep 28, 2021	Warranty Deed, Transfer SUNSHINE STATE TITLE, SUNSHINE STATE T&E LLC
Jan 14, 2019	Warranty Deed, Transfer · Conventional Mortgage FIRST INTERNET BANK OF INDIANA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2024 · Amount on Record
Deed Sale	Oct 7, 2024 · Amount on Record
Prior Sale	Sep 28, 2021 · Amount on Record
Deed Document Number	2024127907
Deed Book / Page	6675 / 2482
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5233 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	QUALITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057241268
Date	May 19, 2020
Book Page	5724/1268
Instrument	2020065800

Lender

Name	CHRISTENSEN FINANCIAL INC
Type	Funding / Finance Company
Address	ALTAMONTE SPRINGS, FL 32714

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2021
Property Address	5233 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0060532141
Book / Page	6053 / 2141
Map Reference	MB 22 PG 156&157
Instrument Date	Sep 28, 2021
Instrument	2021150725
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	SUNSHINE STATE TITLE, SUNSHINE STATE T&E LLC

Transaction

Amount	Amount Recorded
Tax	$3,640.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2510 WATER VALLEY DR, 2510, SAINT CLOUD, FL 34771-7949

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5233 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 14, 2019
Property Address	5233 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0054622513
Book / Page	5462 / 2513
Map Reference	MB 22 PG 156&157
Instrument Date	Jan 11, 2019
Instrument	2019005542
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FLORIDA TITLE & GUARANTEE AG

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,702.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3665 VANDERSCHAAF DR, 3665, BARTLETT, TN 38133-0917

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5233 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	2019005543
Date	Jan 14, 2019
Instrument	2019005543

Lender

Name	FIRST INTERNET BANK OF INDIANA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2049

Tax Assessment & Valuation

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	$7,368.00 (+15.47%) Homeowner's exemption	$521,300 (+15.18%) Land $75,000 Building $446,300	$521,300 (+3.7%) Land $75,000 Building $446,300
2023	$6,381.00 (+3.65%) Homeowner's exemption	$452,582 (+3%)	$502,700 (+14.41%) Land $68,000 Building $434,700
2022	$6,156.00 Homeowner's exemption	$439,400 Land $65,000 Building $374,400	$439,400 Land $65,000 Building $374,400

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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