5301 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5301 Pavia Dr, Saint Cloud, FL 34771 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,307 sqft · built 2020
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$510,000 (Apr 2026)
Tax Bill	$5,948 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Apr 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-1030`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-1030`
Alternative APN	`253116501500011030`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,307 sqft Living Area
Gross Area	3,086 sqft
1st Floor Area	2,307 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	629 sqft
Porch	Metal Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5301 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 103
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	103
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 16-25-31-5015-0001-1030

Assessment roll updated November 26, 2025 · Last verified July 2026

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 File
Mailing Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Line of Credit SPACE COAST CU
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Apr 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Sep 29, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI M&I FIN'L
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	Apr 24, 2026 · Amount on Record
Deed Sale	Apr 24, 2026 · Amount on Record
Prior Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	202654398
Deed Book / Page	6960 / 1927
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Transaction Type	Mortgage
Record Updated	May 06, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057

Mortgage

Document Number	0064302130
Date	Jun 26, 2023
Book Page	6430/2130
Instrument	2023082172

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	168 Months
Due	Jun 25, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2026
Property Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0000054398
Book / Page	6960 / 1927
Instrument Date	Apr 21, 2026
Instrument	2026.54398
Transaction Type	Transfer
Record Updated	May 04, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054401,
Date	Apr 24, 2026
Instrument	2026..54401

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 24, 2026
Property Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0069601927
Book / Page	6960 / 1927
Instrument Date	Apr 21, 2026
Instrument	202654398
Transaction Type	Transfer
Record Updated	Jul 06, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$360,570.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Investor	Possibly a Property Investor

Mortgage

Document Number	0000054401,
Date	Apr 24, 2026
Instrument	202654401

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2020
Property Address	5301 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0058020004
Book / Page	005802 / 000004
Instrument Date	Sep 28, 2020
Instrument	130140
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 22, 2020
Title Company	M/I TITLE AGENCY LIMITED LC, M/I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,601.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5301 PAVIA DR ST CLOUD FL 347718057, ST CLOUD, FL 34771-8057

Mortgage

Document Number	58020006
Date	Sep 29, 2020
Book Page	005802/000006
Instrument	130141

Lender

Name	M&I FIN'L
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2050

May 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 07, 2020
Property Address	5301 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

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	5301 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

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 November 26, 2025 · Last verified July 2026

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	$5,948.00 (+4.52%) Homeowner's exemption	$418,736 (+12.93%)	$440,900 (+2.82%) Land $88,000 Building $352,900
2024	$5,691.00 (+8.63%)
2023	$5,239.00 (+3.82%) Homeowner's exemption	$370,800 (+3%)	$428,800 (+19.11%) Land $88,000 Building $340,800
2022	$5,046.00 Homeowner's exemption	$360,000 Land $60,500 Building $299,500	$360,000 Land $60,500 Building $299,500

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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