5286 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5286 Pavia Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,112 sqft · built 2020
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$327,455 (Nov 2020)
Tax Bill	$4,332 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Nov 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162531501500010620`

Property Details

APN / Parcel Number

Primary APN	`162531501500010620`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Heated Area
Gross Area	2,741 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5286 PAVIA DR
City	SAINT CLOUD
State	FL
Zip	34771-8056
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 62
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	62
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 162531501500010620

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 Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 20, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Nov 02, 2020	Warranty Deed, Subdivision Related Transfer · FHA Mortgage DEVELOPERS MORTGAGE CO
May 07, 2020	Correction Deed, Transfer ATTORNEY ONLY
Jan 28, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 02, 2020 · Amount on Record
Deed Sale	Nov 02, 2020 · Amount on Record
Deed Document Number	2020148386
Deed Book / Page	5824 / 522
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0061321601
Date	Jan 20, 2022
Book Page	6132/1601
Instrument	2022010240

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2052

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 02, 2020
Property Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0058240522
Book / Page	5824 / 522
Map Reference	MB 28 PG 14
Instrument Date	Oct 30, 2020
Instrument	2020148386
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,292.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0005824524
Date	Nov 02, 2020
Instrument	5824/524

Lender

Name	DEVELOPERS MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2050

May 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 07, 2020
Property Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0057190525
Book / Page	005719 / 000525
Instrument Date	May 04, 2020
Instrument	61346
Transaction Type	Transfer
Record Updated	Jun 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 INTERNATIONAL PKWY #470 LAKE MARY FL 327465054, 470, LAKE MARY, FL 32746-5054
Investor	Possibly a Property Investor

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2020
Property Address	5286 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0056642384
Book / Page	005664 / 002384
Instrument Date	Jan 27, 2020
Instrument	13463
Transaction Type	Transfer
Record Updated	Feb 20, 2020
Title Company	ATTORNEY ONLY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	400 INTERNATIONAL PKWY #470 LAKE MARY FL 327465054, 470, LAKE MARY, FL 32746-5054
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,332.00 (+7.2%) Homeowner's exemption	$302,128 (+5.99%)	$377,700 (-2.7%) Land $80,000 Building $297,700
2023	$4,041.00 (+4.07%) Homeowner's exemption	$285,063 (+3%)	$388,200 (+19.19%) Land $80,000 Building $308,200
2022	$3,883.00 Homeowner's exemption	$276,761	$325,700 Land $55,000 Building $270,700

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, 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 Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 313 per year
Exposure	Direct 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

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

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

Mobile Coverage

5G and 4G LTE

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