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5285 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5285 Pavia Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,754 sqft · built 2020
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on File
Last Sale$312,270 (Jan 2021)
Tax Bill$5,582 (2025)
Deeds & MortgagesJan 2021 Sale & Mortgage
May 2020 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN162531501500010710

Property Details

APN / Parcel Number

Primary APN162531501500010710

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,754 sqft Heated Area
Gross Area2,336 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,970 sqft (0.16 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5285 PAVIA DR
CitySAINT CLOUD
StateFL
Zip34771-8057
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 71
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVE
Legal Phase2
Legal Tract5015
Legal Lot Number71
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records · APN 162531501500010710

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2995 ADDISON BLVD, SAINT CLOUD, FL 34771-8445
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jan 13, 2021Warranty Deed, Subdivision Related Transfer · FHA Mortgage
HOMEBRIDGE FINANCIAL SERVICES INC
May 07, 2020Correction Deed, Transfer
ATTORNEY ONLY
Jan 28, 2020Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 13, 2021 · Amount on Record
Deed SaleJan 13, 2021 · Amount on Record
Deed Document Number2021005585
Deed Book / Page5870 / 103
Record UpdatedJun 08, 2026

January 2021: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 13, 2021
Property Address5285 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number0058700103
Book / Page5870 / 103
Map ReferenceMB 28 PG 14
Instrument DateJan 12, 2021
Instrument2021005585
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyM/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,186.10
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

NameVerified Name
Address5285 PAVIA DR, SAINT CLOUD, FL 34771-8057

Mortgage

Document Number0005870105
DateJan 13, 2021
Instrument5870/105
Lender
NameHOMEBRIDGE FINANCIAL SERVICES INC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2051

May 2020: Correction Deed, Transfer

Document TypeCorrection Deed
JurisdictionOSCEOLA FL
Recording DateMay 07, 2020
Property Address5285 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number0057190525
Book / Page005719 / 000525
Instrument DateMay 04, 2020
Instrument61346
Transaction TypeTransfer
Record UpdatedJun 25, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address400 INTERNATIONAL PKWY #470 LAKE MARY FL 327465054, 470, LAKE MARY, FL 32746-5054
InvestorPossibly a Property Investor

January 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJan 28, 2020
Property Address5285 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number0056642384
Book / Page005664 / 002384
Instrument DateJan 27, 2020
Instrument13463
Transaction TypeTransfer
Record UpdatedFeb 20, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$19,992.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address400 INTERNATIONAL PKWY #470 LAKE MARY FL 327465054, 470, LAKE MARY, FL 32746-5054
InvestorPossibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$5,582.00 (+3.35%)$351,500 (-2.58%) Land $88,000 Building $263,500$351,500 (-2.58%) Land $88,000 Building $263,500
2023$5,401.00 (+13.18%)$360,800 (+20.19%) Land $88,000 Building $272,800$360,800 (+20.19%) Land $88,000 Building $272,800
2022$4,772.00$300,200 Land $60,500 Building $239,700$300,200 Land $60,500 Building $239,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire RiskModerate
above 66% of the US · above 43% of Florida
Wildfire LikelihoodAbout 1 in 313 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 444 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber2,000 / 1,000
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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