5314 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5314 Pavia Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,802 sqft · built 2020
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on Record
Last Sale	$317,750 (Sep 2020)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jun 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`162531501500011120`

Property Details

APN / Parcel Number

Primary APN	`162531501500011120`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,802 sqft Heated Area
Gross Area	2,390 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	5,663 sqft (0.13 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5314 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 112
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	112
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records, as of December 11, 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 Record
Mailing Address	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jun 2, 2022	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 29, 2020	Warranty Deed, Subdivision Related Transfer · VA Mortgage M/I FINANCIAL LLC
May 7, 2020	Correction Deed, Transfer ATTORNEY ONLY
Jan 28, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 29, 2020 · Amount on Record
Deed Sale	Sep 29, 2020 · Amount on Record
Deed Document Number	2020129901
Deed Book / Page	5801 / 1941
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0059970806
Date	Jul 7, 2021
Book Page	5997/806
Instrument	2021105723

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0062251293
Date	Jun 2, 2022
Book Page	6225/1293
Instrument	2022086517

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60639

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

September 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 29, 2020
Property Address	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0058011941
Book / Page	5801 / 1941
Map Reference	MB 28 PG 14
Instrument Date	Sep 28, 2020
Instrument	2020129901
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,224.60
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	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0058011943
Date	Sep 29, 2020
Instrument	5801/1943

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

May 2020: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 7, 2020
Property Address	5314 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0057190525
Book / Page	005719 / 000525
Instrument Date	May 4, 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	5314 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 assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$278,741 (+5.99%)	$348,400 (-2.65%) Land $80,000 Building $268,400
2023	$621.00 (-82.33%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$262,997 (+3%)	$357,900 (+19.66%) Land $80,000 Building $277,900
2022	$3,514.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$255,337	$299,100 Land $55,000 Building $244,100

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

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

Wildfire Risk	Moderate above 60% of the US · lower than 65% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Direct 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 System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink 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.

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