Osceola County property record for 5287 Pavia Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,508 sqft · built 2020 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | Individual Name on File |
| Last Sale | $286,250 (Aug 2020) |
| Tax Bill | $3,696 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Jan 2023 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-5015-0001-0700 |
| Primary APN | 16-25-31-5015-0001-0700 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,508 sqft Living Area |
| Gross Area | 1,962 sqft |
| 1st Floor Area | 1,508 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,969 sqft (0.16 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Patio Area | 64 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5287 PAVIA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8057 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 70 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 70 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-5015-0001-0700
Assessment roll updated November 26, 2025 · Last verified August 2026
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 |
|---|---|
| Mailing Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 08, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Jan 13, 2023 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 08, 2025 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 26, 2020 | Deed of Trust, Mortgage · FHA Mortgage M I FINANCIAL LLC |
| May 07, 2020 | Correction Deed, Transfer ATTORNEY ONLY |
| Jan 28, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2020 · Amount on Record |
| Deed Sale | Aug 26, 2020 · Amount on Record |
| Deed Document Number | 2020112694 |
| Deed Book / Page | 5781 / 1159 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 08, 2026 |
| Property Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0000074855 |
| Book / Page | 6984 / 993 |
| Instrument Date | May 18, 2026 |
| Instrument | 202674855 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | MORTGAGE CONNECT |
| Name | Verified Name |
|---|---|
| Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0000074855, |
|---|---|
| Date | Jun 08, 2026 |
| Book Page | 6984/993 |
| Instrument | 202674855 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 291 Months |
| Due | Sep 01, 2050 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0063441190 |
|---|---|
| Date | Jan 13, 2023 |
| Book Page | 6344/1190 |
| Instrument | 2023005239 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 332 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0068312790 |
|---|---|
| Date | Aug 08, 2025 |
| Book Page | 6831/2790 |
| Instrument | 2025098933 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Sep 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|---|
| Address | 9028 DOWDEN RD 2O5, 2O5, ORLANDO, FL 32827-6805 |
| Document Number | 0057811161 |
|---|---|
| Date | Aug 26, 2020 |
| Book Page | 5781/1161 |
| Instrument | 2020112695 |
| Name | M I FINANCIAL LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | COLUMBUS, OH 43219 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 07, 2020 |
| Property Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| 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 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| 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 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 28, 2020 |
| Property Address | 5287 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| 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 |
| Amount | Amount Recorded |
|---|---|
| Tax | $19,992.00 |
| Additional |
|
| Name | Verified Name |
|---|
| 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 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $3,696.00 (+7.54%) Homeowner's exemption | $256,253 (+5.99%) | $320,400 (-2.55%) Land $80,000 Building $240,400 |
| 2023 | $3,437.00 (+4.28%) Homeowner's exemption | $241,779 (+3%) | $328,800 (+20.13%) Land $80,000 Building $248,800 |
| 2022 | $3,296.00 Homeowner's exemption | $234,737 | $273,700 Land $55,000 Building $218,700 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| Wildfire Risk | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies 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: AT&T, Xfinity.
Based on FCC filings for 444 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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