5317 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5317 Pavia Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,112 sqft · built 2021
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$500,000 (Jun 2022)
Tax Bill	$5,339 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Mar 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`162531501500010950`

Property Details

APN / Parcel Number

Primary APN	`162531501500010950`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Heated Area
Gross Area	2,741 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
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
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5317 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 95
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	95
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 162531501500010950

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	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 06, 2022	Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP
Mar 31, 2022	Warranty Deed, Transfer OS NATIONAL LLC
Apr 23, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M/I FINANCIAL LLC
Jul 06, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 06, 2022 · Amount on Record
Deed Sale	Jun 06, 2022 · Amount on Record
Prior Sale	Mar 31, 2022 · Amount on Record
Deed Document Number	2022087867
Deed Book / Page	6227 / 944
Record Updated	Jun 08, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 06, 2022
Property Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0062270944
Book / Page	6227 / 944
Map Reference	MB 28 PG 14-19
Instrument Date	Jun 01, 2022
Instrument	2022087867
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057

Mortgage

Document Number	0006227946
Date	Jun 06, 2022
Instrument	6227/946

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 01, 2052

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2022
Property Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0061832420
Book / Page	6183 / 2420
Map Reference	MB 28 PG 14-19
Instrument Date	Mar 25, 2022
Instrument	2022051305
Transaction Type	Transfer
Record Updated	Jul 01, 2026
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount Recorded
Tax	$3,236.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2842 HERTHA AVE, ORLANDO, FL 32826-3330

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976
Investor	Possibly a Property Investor

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 23, 2021
Property Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0059422429
Book / Page	5942 / 2429
Map Reference	MB 28 PG 14-19
Instrument Date	Apr 23, 2021
Instrument	2021062176
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,366.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057

Mortgage

Document Number	0059422431
Date	Apr 23, 2021
Instrument	5942/2431

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 06, 2020
Property Address	5317 PAVIA DR, SAINT CLOUD, FL 34771-8057
Document Number	0057491874
Book / Page	005749 / 001874
Instrument Date	Jul 02, 2020
Instrument	86639
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$8,863.00
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 records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

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

Tax Bill & Assessment History

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	$5,339.00 (+6.8%) Homeowner's exemption	$374,819 (+5.99%)	$396,400 (-2.6%) Land $88,000 Building $308,400
2023	$4,999.00 (+15.13%) Homeowner's exemption	$353,647 (+14.22%)	$407,000 (+19.15%) Land $88,000 Building $319,000
2022	$4,342.00 Homeowner's exemption	$309,607	$341,600 Land $60,500 Building $281,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	Moderate above 61% of the US · above 34% of Florida
Wildfire Likelihood	About 1 in 318 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 444 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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