5251 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5251 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 3,300 sqft · built 2015
Lot Size	0.15 acres (6,534 sqft)
Owner	Company Name on File
Last Sale	$629,900 (Jul 2022)
Tax Bill	$7,978 (2025)
Deeds & Mortgages	Dec 2025 Foreclosure Nov 2025 Foreclosure + 4 more
Flood Zone	Zone X (minimal risk)
APN	`20-25-31-4423-0001-0330`

Property Details

APN / Parcel Number

Primary APN	`20-25-31-4423-0001-0330`
Alternative APN	`253120442300010330`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,300 sqft Living Area
Gross Area	4,184 sqft
1st Floor Area	1,852 sqft
Upper Floors Area	1,448 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	127 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	234 sqft
Porch	Finished/Open Porch
Porch Area	384 sqft
Deck Area	349 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5251 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 33
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	330
Legal Lot Number	33
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
Census Tract	43700

Owner

5251 Villa Rosa Ave is owned by a company that bought it in July 2022.

Source: Osceola County records, as of June 16, 2026

Owner of Record	Company Name on File
Mailing Address	3401 W END AVE, 760W, NASHVILLE, TN 37203-1042
Owner Type	Company

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 16, 2025	Special Warranty Deed, Foreclosure ATTORNEY ONLY, ATTORNEY
Nov 14, 2025	Trustee's Deed, Foreclosure
Jul 29, 2022	Warranty Deed, Transfer · VA Mortgage MOVEMENT MORTGAGE
Feb 1, 2021	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jan 4, 2022	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 27, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2022 · Amount on File
Deed Sale	Jul 29, 2022 · Amount on File
Prior Sale	Apr 27, 2020 · Amount on File
Deed Document Number	2022116780
Deed Book / Page	6260 / 889
Record Updated	Sep 20, 2026

December 2025: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2025
Property Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0068941223
Book / Page	6894 / 1223
Map Reference	MB 22 PG 156&157
Instrument Date	Dec 12, 2025
Instrument	2025153483
Transaction Type	Foreclosure
Record Updated	Dec 29, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1600 E SOUTH ST, ANAHEIM, CA 92805-4903

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3401 WEST END AVE STE 760W, 760W, NASHVILLE, TN 37203-1042

November 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 14, 2025
Property Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0068802769
Book / Page	6880 / 2769
Map Reference	MB 22 PG 156-157
Instrument Date	Nov 14, 2025
Instrument	2025141236
Transaction Type	Foreclosure
Record Updated	Nov 28, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 S DOUGLASS RD STE 200A, 200A, ANAHEIM, CA 92806-5948

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2022
Property Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0062600889
Book / Page	6260 / 889
Map Reference	MB 22 PG 156&157
Instrument Date	Jul 29, 2022
Instrument	2022116780
Transaction Type	Transfer
Record Updated	Aug 11, 2022
Title Company	TITLE ONE FLORIDA LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,409.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 637, DERMOTT, AR 71638-0637

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0006260891
Date	Jul 29, 2022
Instrument	6260/891

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATIONAL TITLE-OR, FIDELITY NATIONAL TTL OF OR

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0058811433
Date	Feb 1, 2021
Book Page	5881/1433
Instrument	2021014050

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0061211323
Date	Jan 4, 2022
Book Page	6121/1323
Instrument	2022001190

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2020
Property Address	5251 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0057140226
Book / Page	005714 / 000226
Instrument Date	Apr 10, 2020
Instrument	57059
Transaction Type	Transfer
Record Updated	Jun 24, 2020
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,912.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5251 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849

Mortgage

Document Number	57140228
Date	Apr 27, 2020
Book Page	005714/000228
Instrument	57060

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 26, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5251 Villa Rosa Ave was $7,978.

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	$7,978.00	$524,400 Land $75,000 Building $449,400	$524,400 Land $75,000 Building $449,400
2023	$7,678.00 (+1,232.99%)	$505,300 (+42.45%) Land $68,000 Building $437,300	$505,300 (+14.95%) Land $68,000 Building $437,300
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$354,732	$439,600 Land $65,000 Building $374,600

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

Flood

FEMA maps place 5251 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 5251 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	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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