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5314 Rochester Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5314 Rochester Pl, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,566 sqft · built 2019
Lot Size0.139 acres (6,098 sqft)
OwnerIndividual Name on Record
Last Sale$465,000 (Aug 2023)
Tax Bill$6,220 (2025)
Deeds & MortgagesAug 2023 Sale & Mortgage
Apr 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN042631017300012590

Property Details

APN / Parcel Number

Primary APN042631017300012590

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,566 sqft Heated Area
Gross Area3,516 sqft
1st Floor Area1,048 sqft
Upper Floors Area1,518 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area6,098 sqft (0.139 acres)
Garage TypeFinished
Garage Area462 sqft
PorchOpen Porch
Porch Area488 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address5314 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 259
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number259
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43700

Owner

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

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

Owner of RecordIndividual Name on Record
Mailing Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 25, 2023Warranty Deed, Transfer · FHA Mortgage
UNITED WHOLESALE MORTGAGE
Apr 12, 2021Deed of Trust, Mortgage · VA Mortgage
PENNYMAC LOAN SERVICES LLC
Nov 19, 2019Special Warranty Deed, Transfer · Conventional Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 25, 2023 · Amount on Record
Deed SaleAug 25, 2023 · Amount on Record
Prior SaleNov 19, 2019 · Amount on Record
Deed Document Number2023112449
Deed Book / Page6464 / 606
Record UpdatedJun 8, 2026

August 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateAug 25, 2023
Property Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Document Number0064640606
Book / Page6464 / 606
Map ReferenceMB 27 PG 87
Instrument DateAug 21, 2023
Instrument2023112449
Transaction TypeTransfer
Record UpdatedSep 13, 2023
Title CompanyAPIARY TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,255.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address9433 RAVEN DELL ST, ORLANDO, FL 32825-8089

Transferred To (Grantee/Buyer)

NameVerified Name
Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678

Mortgage

Document Number0006464608
DateAug 25, 2023
Instrument6464/608
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueSep 1, 2053

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Transaction TypeMortgage
Record UpdatedMay 2, 2022
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678

Mortgage

Document Number0059331364
DateApr 12, 2021
Book Page5933/1364
Instrument2021054875
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressWASHINGTON, DC 20410
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term344 Months
DueDec 1, 2049

November 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 19, 2019
Property Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678
Document Number0056252500
Book / Page5625 / 2500
Map ReferenceMB 27 PG 87
Instrument DateNov 15, 2019
Instrument2019150213
Transaction TypeTransfer
Record UpdatedMay 2, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,030.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 MAITLAND CENTER PKWY # PKWY3220, 2300, MAITLAND, FL 32751-4129

Transferred To (Grantee/Buyer)

NameVerified Name
Address5314 ROCHESTER PL, SAINT CLOUD, FL 34771-7678

Mortgage

Document Number0056252504
DateNov 19, 2019
Instrument5625/2504
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 1, 2049

Tax Assessment & Valuation

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$6,220.00 (-0.45%) Homeowner's exemption$390,400 (-5.27%) Land $75,000 Building $315,400$390,400 (-5.27%) Land $75,000 Building $315,400
2023$6,248.00 (+11.49%)$412,100 (+14.5%) Land $65,000 Building $347,100$412,100 (+14.5%) Land $65,000 Building $347,100
2022$5,604.00$359,900 Land $65,000 Building $294,900$359,900 Land $65,000 Building $294,900

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 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 Record
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

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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