Osceola County property record for 5249 Villa Rosa Ave, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,389 sqft · built 2015 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $448,444 (Aug 2025) |
| Tax Bill | $6,163 (2025) |
| Deeds & Mortgages | Feb 2022 Mortgage Apr 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 202531442300010320 |
| Primary APN | 202531442300010320 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,389 sqft Heated Area |
| Gross Area | 3,035 sqft |
| 1st Floor Area | 1,385 sqft |
| Upper Floors Area | 1,004 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 206 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5249 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 32 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 20 |
| Legal Subdivision | NOVA GROVE |
| Legal Tract | 4423 |
| Legal Block | 1 |
| Legal Lot Number | 32 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1053 |
| Census Tract | 43700 |
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 | 5249 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 3, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 1, 2025 · Amount on Record |
| Deed Sale | Aug 1, 2025 · Amount on Record |
| Prior Sale | Oct 22, 2024 · Amount on Record |
| Deed Document Number | 2025096400 |
| Deed Book / Page | 6828 / 2886 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5249 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5249 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Document Number | 0061492529 |
|---|---|
| Date | Feb 14, 2022 |
| Book Page | 6149/2529 |
| Instrument | 2022024192 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 286 Months |
| Due | Dec 1, 2045 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5249 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849 |
| Document Number | 0053220410 |
| Instrument Date | Apr 3, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 1, 2018 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Address | 5249 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849 |
| Document Number | 0053220410 |
|---|---|
| Date | Apr 24, 2018 |
| Book Page | 005322/000410 |
| Instrument | 64559 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 324 Months |
| Due | Apr 23, 2045 |
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 | $6,163.00 (+153.52%) | $393,400 (+58.59%) Land $75,000 Building $318,400 | $393,400 (+0.85%) Land $75,000 Building $318,400 |
| 2023 | $2,431.00 (-28.1%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $248,055 (+3%) | $390,100 (+15.35%) Land $68,000 Building $322,100 |
| 2022 | $3,381.00 Homeowner's exemption | $240,831 | $338,200 Land $65,000 Building $273,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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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