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5312 Rochester Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5312 Rochester Pl, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,566 sqft · built 2020
Lot Size0.139 acres (6,098 sqft)
Owner2 Individual Names on File
Last Sale$285,300 (Feb 2020)
Tax Bill$5,021 (2025)
Deeds & MortgagesOct 2023 Mortgage
Oct 2022 Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN042631017300012580

Property Details

APN / Parcel Number

Primary APN042631017300012580

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,566 sqft Heated Area
Gross Area3,272 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area392 sqft
PorchFinished/Screened Porch
Deck Area742 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address5312 ROCHESTER PL
CitySAINT CLOUD
StateFL
Zip34771-7678
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 258
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number258
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43700

Owner

5312 Rochester Pl is owned and occupied by two individuals who bought it in February 2020.

Source: Osceola County records, as of December 11, 2025

Owner of Record2 Individual Names on File
Mailing Address5312 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2023Deed of Trust, Mortgage · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Oct 14, 2022Deed of Trust, Mortgage · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Feb 7, 2022Deed of Trust, Mortgage · FHA Mortgage
CARDINAL FINANCIAL COMPANY LP
Feb 6, 2020Grant Deed, Transfer
CALATLANTIC TITLE INC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleFeb 6, 2020 · Amount on File
Deed SaleFeb 6, 2020 · Amount on File
Deed Document Number2020018757
Deed Book / Page5670 / 1335
Record UpdatedJun 8, 2026

October 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5312 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Transaction TypeMortgage
Record UpdatedNov 17, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5312 ROCHESTER PL, SAINT CLOUD, FL 34771-7678

Mortgage

Document Number0064952376
DateOct 26, 2023
Book Page6495/2376
Instrument2023141223
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2053

October 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5312 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Transaction TypeMortgage
Record UpdatedOct 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0062992726
DateOct 14, 2022
Book Page6299/2726
Instrument2022152918
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term361 Months
DueNov 1, 2052

February 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5312 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Transaction TypeMortgage
Record UpdatedFeb 17, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0061450204
DateFeb 7, 2022
Book Page6145/204
Instrument2022020439
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressFLINT, MI 48501
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2052

February 2020: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 6, 2020
Property Address5312 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Document Number0056701335
Book / Page005670 / 001335
Instrument DateJan 30, 2020
Instrument18757
Transaction TypeTransfer
Record UpdatedFeb 28, 2020
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount on Record
Tax$1,997.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address5312 ROCHESTER PL ST CLOUD FL 347717678, ST CLOUD, FL 34771-7678

Tax Assessment & Valuation

The 2025 property tax bill for 5312 Rochester Pl was $5,021 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,021.00 Homeowner's exemption$323,427$416,400 Land $75,000 Building $341,400
2023$4,210.00 (+3.49%) Homeowner's exemption$275,909 (+3%)$406,600 (+14.41%) Land $65,000 Building $341,600
2022$4,068.00 Homeowner's exemption$267,873$355,400 Land $65,000 Building $290,400

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

Flood

FEMA maps place 5312 Rochester Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 70 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies70 in force

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

Wildfire risk around 5312 Rochester Pl is high, ranking above 75% of the US, with a 0.5% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 75% of the US · above 61% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 162 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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