5318 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5318 Pavia Dr, Saint Cloud, FL 34771 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,508 sqft · built 2021
Lot Size	0.13 acres (5,662 sqft)
Owner	Individual Name on File
Last Sale	$365,000 (Mar 2026)
Tax Bill	$4,318 (2025)
Deeds & Mortgages	Jul 2023 Mortgage Mar 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-1140`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-1140`
Alternative APN	`253116501500011140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,508 sqft Living Area
Gross Area	2,106 sqft
1st Floor Area	1,508 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5318 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 114
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	114
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 16-25-31-5015-0001-1140

Assessment roll updated November 26, 2025 · Last verified April 2026

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
Mailing Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Jul 26, 2023	Deed of Trust, Mortgage MCCOY FCU
Mar 25, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA
Jan 29, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage M/I FINANCIAL LLC
Jul 06, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 25, 2026 · Amount on Record
Deed Sale	Mar 25, 2026 · Amount on Record
Prior Sale	Jan 29, 2021 · Amount on Record
Deed Document Number	202639619
Deed Book / Page	6943 / 1526
Record Updated	Jun 08, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056
Transaction Type	Mortgage
Record Updated	Apr 03, 2026
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0064461457
Date	Jul 26, 2023
Book Page	6446/1457
Instrument	2023096389

Lender

Name	MCCOY FCU
Type	Credit Union
Address	ORLANDO, FL 32809

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Jul 20, 2038

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 25, 2026
Property Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0069431526
Book / Page	6943 / 1526
Map Reference	MB 28 PG 14-19
Instrument Date	Mar 16, 2026
Instrument	2026039619
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	ROSCOMMON COUNTY TITLE INSURANCE AGENCY, ROSEMONT TTL INS AGCY LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	330 CATALONIA AVE APT 314, 314, CORAL GABLES, FL 33134-6739

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0069431528
Date	Mar 25, 2026
Instrument	6943/1528

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2056

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2021
Property Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0058800824
Book / Page	5880 / 824
Map Reference	MB 28 PG 14-19
Instrument Date	Jan 28, 2021
Instrument	2021013256
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, MI TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,123.10
Amount Accuracy	Rounded by County
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	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0005880826
Date	Jan 29, 2021
Instrument	5880/826

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 06, 2020
Property Address	5318 PAVIA DR, SAINT CLOUD, FL 34771-8056
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 November 26, 2025 · Last verified April 2026

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	$4,318.00 (+4.98%) Homeowner's exemption	$301,081 (+5.99%)	$322,800 (-2.51%) Land $80,000 Building $242,800
2024	$4,113.00 (+2.11%)
2023	$4,028.00 (+4.08%) Homeowner's exemption	$284,074 (+3%)	$331,100 (+20.05%) Land $80,000 Building $251,100
2022	$3,870.00 Homeowner's exemption	$275,800 Land $55,000 Building $220,800	$275,800 Land $55,000 Building $220,800

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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