5320 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5320 Pavia Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,112 sqft · built 2021
Lot Size	0.13 acres (5,662 sqft)
Owner	Individual Name on File
Last Sale	$334,200 (Jan 2021)
Tax Bill	$5,742 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-1150`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-1150`
Alternative APN	`253116501500011150`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,512 sqft
1st Floor Area	2,112 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
Pool Type	In-Ground Pool
Pool Area	351 sqft
Deck Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5320 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 115
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	115
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of November 26, 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
Mailing Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Mar 29, 2022	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
Jan 28, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage M/I FINANCIAL LLC
Jul 6, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Deed Document Number	202113076
Deed Book / Page	5879 / 2852
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 16, 2026
Property Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0000050693
Book / Page	6956 / 2051
Instrument Date	Apr 9, 2026
Instrument	202650693
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	DO NO USE, CARRINGTON MORTGAGE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0000050693,
Date	Apr 16, 2026
Book Page	6956/2051
Instrument	202650693

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0061811724
Date	Mar 29, 2022
Book Page	6181/1724
Instrument	2022049356

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	356 Months
Due	Nov 16, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2021
Property Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0058792852
Book / Page	5879 / 2852
Map Reference	MB 28 PG 14
Instrument Date	Jan 28, 2021
Instrument	2021013076
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD L C

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,339.40
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	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0058792854
Date	Jan 28, 2021
Instrument	5879/2854

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 6, 2020
Property Address	5320 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0057491874
Book / Page	005749 / 001874
Instrument Date	Jul 2, 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 assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,742.00 (-10.8%) Homeowner's exemption	$403,900 (-1.8%) Land $80,000 Building $323,900	$403,900 (-1.8%) Land $80,000 Building $323,900
2024	$6,437.00 (+4.82%)
2023	$6,141.00 (+25.51%)	$411,300 (+17.58%) Land $80,000 Building $331,300	$411,300 (+17.58%) Land $80,000 Building $331,300
2022	$4,893.00	$349,800 Land $55,000 Building $294,800	$349,800 Land $55,000 Building $294,800

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 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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 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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 444 locations within half a mile, as of December 31, 2025

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.

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