Osceola County property record for 5245 Villa Rosa Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 4 ba · 3,240 sqft · built 2016 |
| Lot Size | 0.046 acres (2,047 sqft) |
| Owner | Individual Name on File |
| Last Sale | $397,900 (Jan 2016) |
| Tax Bill | $5,240 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531442300010300 |
| Primary APN | 202531442300010300 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,240 sqft Heated Area |
| Gross Area | 4,152 sqft |
| 1st Floor Area | 1,822 sqft |
| Upper Floors Area | 1,418 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,047 sqft (0.046 acres) |
| Garage Type | Finished |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 227 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 412 sqft |
| Deck Area | 488 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5245 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 30 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NOVA GROVE |
| Legal Tract | 4423 |
| Legal Block | 1 |
| Legal Lot Number | 30 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
5245 Villa Rosa Ave is owned and occupied by an individual who bought it in January 2016.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 5245 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 26, 2016 · Amount on File |
| Deed Sale | Jan 26, 2016 · Amount on File |
| Prior Sale | Sep 24, 2014 · Amount on File |
| Deed Document Number | 2016013082 |
| Deed Book / Page | 4905 / 1492 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5245 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 5245 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Document Number | 0061520414 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 6152/414 |
| Instrument | 2022026209 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
The 2025 property tax bill for 5245 Villa Rosa Ave was $5,240 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,240.00 Homeowner's exemption | $367,687 | $513,200 Land $75,000 Building $438,200 |
| 2023 | $4,905.00 (+3.88%) Homeowner's exemption | $346,918 (+3%) | $494,200 (+14.72%) Land $68,000 Building $426,200 |
| 2022 | $4,722.00 Homeowner's exemption | $336,814 | $430,800 Land $65,000 Building $365,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5245 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 |
|
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 risk around 5245 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.
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 |
| 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.
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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