5261 Villa Rosa Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5261 Villa Rosa Ave, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,487 sqft · built 2016
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$311,500 (Apr 2016)
Tax Bill	$4,722 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`202531442300010380`

Property Details

APN / Parcel Number

Primary APN	`202531442300010380`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,487 sqft Heated Area
Gross Area	4,399 sqft
1st Floor Area	1,822 sqft
Upper Floors Area	1,665 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	6,534 sqft (0.15 acres)
Lot Dimensions	129 ft deep x 50 ft wide
Garage Type	Finished
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	412 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5261 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 38
Legal Range	31E
Legal Township	25S
Legal Section	20
Legal Subdivision	NOVA GROVE
Legal Tract	4423
Legal Block	1
Legal Lot Number	38
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1053
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	2 Individual Names on Record
Mailing Address	5261 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 6, 2026	Deed of Trust, Mortgage POINT DIGITAL FINANCE INC
Oct 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 11, 2018	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2016 · Amount on Record
Deed Sale	Apr 15, 2016 · Amount on Record
Prior Sale	Sep 1, 2015 · Amount on Record
Deed Document Number	2016056396
Deed Book / Page	4944 / 1942
Record Updated	Jun 8, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5261 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Feb 20, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5261 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0069190454
Date	Feb 6, 2026
Book Page	6919/454
Instrument	2026016749

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Amount	Amount Recorded
Term	359 Months
Due	Jan 29, 2056

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5261 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5261 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849

Mortgage

Document Number	0060720114
Date	Oct 25, 2021
Book Page	6072/114
Instrument	2021165597

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5261 VILLA ROSA AVE, SAINT CLOUD, FL 34771-7849
Document Number	0053471106
Instrument Date	Apr 11, 2018
Transaction Type	Mortgage
Record Updated	Jun 27, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5261 VILLA ROSA AVE ST CLOUD FL 347717849, ST CLOUD, FL 34771-7849

Mortgage

Document Number	0053471106
Date	Jun 8, 2018
Book Page	005347/001106
Instrument	89163

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 7, 2046

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	$4,722.00 (+7%) Homeowner's exemption	$330,306 (+5.99%)	$518,900 (+3.95%) Land $75,000 Building $443,900
2023	$4,413.00 (+3.98%) Homeowner's exemption	$311,649 (+3%)	$499,200 (+15.85%) Land $68,000 Building $431,200
2022	$4,244.00 Homeowner's exemption	$302,572	$430,900 Land $65,000 Building $365,900

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	High above 71% of the US · above 53% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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.

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