5236 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5236 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,652 sqft · built 2015
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$100 (Dec 2025)
Tax Bill	$6,324 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4423-0001-0490`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4423-0001-0490`
Alternative APN	`253120442300010490`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,652 sqft Living Area
Gross Area	3,498 sqft
1st Floor Area	1,056 sqft
Upper Floors Area	1,596 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	492 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	70 sqft
Porch	Florida Room
Porch Area	354 sqft
Deck Area	625 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5236 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 49
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	490
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1055
Census Tract	43700

Owner

5236 Villa Rosa Ave is owned and occupied by two individuals who bought it in December 2025.

Source: Osceola County records, as of January 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	11049 WHISTLING PINE WAY, ORLANDO, FL 32832-6043
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

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

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 2, 2022	Warranty Deed, Transfer · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Oct 13, 2020	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 28, 2020	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 23, 2025 · Amount on File
Deed Sale	Dec 23, 2025 · Amount on File
Prior Sale	Dec 2, 2022 · Amount on File
Deed Document Number	2025157067
Deed Book / Page	6898 / 1838
Prior Transfer Date	Dec 11, 2025
Prior Transfer Doc	0068981838
Record Updated	Jun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 23, 2025
Property Address	5236 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0068981838
Book / Page	6898 / 1838
Map Reference	MB 22 PG 156-157
Instrument Date	Dec 11, 2025
Instrument	2025157067
Transaction Type	Transfer
Record Updated	Jan 9, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8 5TH ST, GARDEN CITY PARK, NY 11040-4106

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11049 WHISTLING PINE WAY, ORLANDO, FL 32832-6043

Mortgage

Document Number	0068981841
Date	Dec 23, 2025
Instrument	6898/1841

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2022
Property Address	5236 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0063240146
Book / Page	6324 / 146
Map Reference	MB 22 PG 156&157
Instrument Date	Nov 1, 2022
Instrument	2022173883
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	SIMPLY TITLE LLC, SIMPLY TITLE LLC KISSIMMEE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,465.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5236 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11049 WHISTLING PINE WAY, ORLANDO, FL 32832-6043

Mortgage

Document Number	0006324148
Date	Dec 2, 2022
Instrument	6324/148

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2052

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 13, 2020
Property Address	5236 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0058112374
Book / Page	5811 / 2374
Map Reference	MB 22 PG 156&157
Instrument Date	Oct 8, 2020
Instrument	2020138036
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,443.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1108 NARCOOSSEE DEL SOL BLVD, 1108, SAINT CLOUD, FL 34771-7562

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	10561 EASTPARK WOODS DR, ORLANDO, FL 32832-5819

Mortgage

Document Number	0058112376
Date	Oct 13, 2020
Instrument	5811/2376

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5236 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0056700232
Instrument Date	Jan 28, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1108 NARCOOSSEE DEL SOL BLVD ST CLOUD FL 347717562, ST CLOUD, FL 34771-7562

Mortgage

Document Number	0056700232
Date	Feb 5, 2020
Book Page	005670/000232
Instrument	18388

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 4, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5236 Villa Rosa Ave was $6,324 with a homeowner's exemption, up 5.4% 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	$6,324.00 (+5.42%) Homeowner's exemption	$445,900 Land $75,000 Building $370,900	$445,900 Land $75,000 Building $370,900
2024	$5,999.00 (-4.76%)
2023	$6,299.00 (+55.11%)	$406,600 (+40.43%) Land $68,000 Building $338,600	$406,600 (+15.25%) Land $68,000 Building $338,600
2022	$4,061.00 Homeowner's exemption	$289,533	$352,800 Land $65,000 Building $287,800

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

Flood

FEMA maps place 5236 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 5236 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.

Nearby Properties on Villa Rosa Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures