5242 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5242 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,131 sqft · built 2016
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$632,000 (Jun 2022)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Feb 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`202531442300010520`

Property Details

APN / Parcel Number

Primary APN	`202531442300010520`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,131 sqft Heated Area
Gross Area	4,109 sqft
1st Floor Area	1,266 sqft
Upper Floors Area	1,865 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Lot Dimensions	125 ft deep x 60 ft wide
Garage Type	Finished
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	300 sqft
Porch	Open Porch
Porch Area	428 sqft
Deck Area	460 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5242 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 52
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	1
Legal Lot Number	52
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 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	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2022	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Feb 11, 2022	Deed of Trust, Mortgage · Line of Credit TRUIST BANK
Jul 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Jul 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CFBANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	May 2, 2016 · Amount on Record
Deed Document Number	2022101664
Deed Book / Page	6242 / 2217
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2022
Property Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0062422217
Book / Page	6242 / 2217
Map Reference	MB 22 PG 156&157
Instrument Date	Jun 27, 2022
Instrument	2022101664
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	NEW FRONTIER TITLE, NEW FRONTIER TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,424.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3475 LAKEVIEW ACRES ROAD, 3475, SAINT CLOUD, FL 34772

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0062422219
Date	Jun 29, 2022
Instrument	6242/2219

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Mar 3, 2022
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0061481494
Date	Feb 11, 2022
Book Page	6148/1494
Instrument	2022023163

Lender

Name	TRUIST BANK
Type	Bank
Address	WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jan 22, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0060061901
Date	Jul 21, 2021
Book Page	6006/1901
Instrument	2021112870

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2036

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5242 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0057632646
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 1, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5242 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849

Mortgage

Document Number	0057632646
Date	Jul 29, 2020
Book Page	005763/002646
Instrument	98860

Lender

Name	CFBANK NA
Address	WORTHINGTON, OH 43085

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 28, 2040

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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$493,900 (+4.13%) Land $75,000 Building $418,900	$493,900 (+4.13%) Land $75,000 Building $418,900
2023	$621.00 (-86.15%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$474,300 (+48.31%) Land $68,000 Building $406,300	$474,300 (+14.62%) Land $68,000 Building $406,300
2022	$4,485.00 Homeowner's exemption	$319,806	$413,800 Land $65,000 Building $348,800

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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