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5315 Rochester Pl, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5315 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 File
Last Sale$316,200 (Dec 2019)
Tax Bill$6,388 (2025)
Deeds & MortgagesNov 2023 Mortgage
Jun 2022 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN042631017300013030

Property Details

APN / Parcel Number

Primary APN042631017300013030

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
PorchFinished/Screened Porch
Porch Area488 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address5315 ROCHESTER PL
CitySAINT CLOUD
StateFL
Zip34771-7679
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 303
Legal Range31E
Legal Township26S
Legal Section04
Legal SubdivisionLANCASTER PARK
Legal Phase2
Legal Tract173
Legal Lot Number303
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3026
Census Tract43700

Owner

5315 Rochester Pl is owned and occupied by an individual who bought it in December 2019.

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

Owner of RecordIndividual Name on File
Co-ownerCo-owner on File
Mailing Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
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
Nov 27, 2023Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Jun 21, 2022Deed of Trust, Mortgage · FHA Mortgage
FREEDOM MORTGAGE CORP
Dec 19, 2019Special Warranty Deed, Transfer · FHA Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleDec 19, 2019 · Amount on File
Deed SaleDec 19, 2019 · Amount on File
Deed Document Number2019164624
Deed Book / Page5643 / 2103
Record UpdatedJun 8, 2026

November 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
Transaction TypeMortgage
Record UpdatedDec 7, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679

Mortgage

Document Number0065091497
DateNov 27, 2023
Book Page6509/1497
Instrument2023154116
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term340 Months
DueMar 1, 2052

June 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
Transaction TypeMortgage
Record UpdatedJul 1, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679

Mortgage

Document Number0062362771
DateJun 21, 2022
Book Page6236/2771
Instrument2022096807
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressFISHERS, IN 46037
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term357 Months
DueMar 1, 2052

December 2019: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 19, 2019
Property Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679
Document Number0056432103
Book / Page5643 / 2103
Map ReferenceMB 27 PG 87
Instrument DateNov 29, 2019
Instrument2019164624
Transaction TypeTransfer
Record UpdatedFeb 8, 2022
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,213.40
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 MAITLAND CENTER PKWY # 320320, 2300, MAITLAND, FL 32751-4129

Transferred To (Grantee/Buyer)

NameVerified Name
Address5315 ROCHESTER PL, SAINT CLOUD, FL 34771-7679

Mortgage

Document Number0056432107
DateDec 19, 2019
Instrument5643/2107
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueDec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5315 Rochester Pl was $6,388 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$6,388.00 Homeowner's exemption$399,800 Land $78,800 Building $321,000$399,800 Land $78,800 Building $321,000
2023$6,082.00 (+3.31%) Homeowner's exemption$379,864 (+3%)$421,500 (+14.29%) Land $68,200 Building $353,300
2022$5,887.00 Homeowner's exemption$368,800 Land $68,200 Building $300,600$368,800 Land $68,200 Building $300,600

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

Flood

FEMA maps place 5315 Rochester Pl in Zone X, an area of minimal flood risk, within 100 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 100 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 5315 Rochester Pl is moderate, ranking above 69% 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 RiskModerate
above 69% of the US · above 50% 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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