Osceola County property record for 5315 Pavia Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,112 sqft · built 2020 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $329,400 (Nov 2020) |
| Tax Bill | $4,408 (2025) |
| Deeds & Mortgages | Nov 2020 Sale & Mortgage May 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 162531501500010960 |
| Primary APN | 162531501500010960 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,112 sqft Heated Area |
| Gross Area | 2,666 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5315 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 96 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE |
| Legal Phase | 2 |
| Legal Tract | 5015 |
| Legal Lot Number | 96 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531501500010960
Assessment roll updated July 1, 2025 · Last verified December 2025
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 | 5315 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 13, 2020 | Grant Deed, Subdivision Related Transfer · FHA Mortgage M&I FIN'L |
| May 07, 2020 | Correction Deed, Transfer ATTORNEY ONLY |
| Jan 28, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 13, 2020 · Amount on Record |
| Deed Sale | Nov 13, 2020 · Amount on Record |
| Deed Document Number | 2020155677 |
| Deed Book / Page | 5832 / 1576 |
| Record Updated | Jun 08, 2026 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 13, 2020 |
| Property Address | 5315 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0058321576 |
| Book / Page | 005832 / 001576 |
| Instrument Date | Nov 11, 2020 |
| Instrument | 155677 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Nov 26, 2020 |
| Title Company | M/I TITLE AGENCY, M/I TITLE AGCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,306.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5315 PAVIA DR ST CLOUD FL 347718057, ST CLOUD, FL 34771-8057 |
| Document Number | 58321578 |
|---|---|
| Date | Nov 13, 2020 |
| Book Page | 005832/001578 |
| Instrument | 155678 |
| Name | M&I FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBUS, OH 43219 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 12, 2050 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 07, 2020 |
| Property Address | 5315 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 | 5315 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 July 1, 2025 · Last verified December 2025
| 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 | $4,408.00 (+7.15%) Homeowner's exemption | $307,639 (+5.99%) | $384,800 (-2.63%) Land $88,000 Building $296,800 |
| 2023 | $4,114.00 (+4.07%) Homeowner's exemption | $290,262 (+3%) | $395,200 (+19.61%) Land $88,000 Building $307,200 |
| 2022 | $3,953.00 Homeowner's exemption | $281,808 | $330,400 Land $60,500 Building $269,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · 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 60% of the US · lower than 65% 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, water system FL3494429, 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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