Osceola County property record for 5320 Rochester Pl, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,859 sqft · built 2019 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $260,000 (Oct 2019) |
| Tax Bill | $6,257 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Jul 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 04-26-31-0173-0001-2620 |
| Primary APN | 04-26-31-0173-0001-2620 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,859 sqft Living Area |
| Gross Area | 2,767 sqft |
| 1st Floor Area | 1,859 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 438 sqft |
| Porch | Slab |
| Porch Area | 470 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5320 ROCHESTER PL |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7678 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LANCASTER PARK EAST PH 2 PB 27 PGS 87-92 LOT 262 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 04 |
| Legal Subdivision | LANCASTER PARK EAST PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 262 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 43700 |
Source: Osceola County records, as of July 14, 2026
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 Record |
|---|---|
| Mailing Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 7, 2023 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 19, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Oct 22, 2019 | Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 22, 2019 · Amount on Record |
| Deed Sale | Oct 22, 2019 · Amount on Record |
| Deed Document Number | 2019136756 |
| Deed Book / Page | 5610 / 169 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Document Number | 0063671340 |
|---|---|
| Date | Mar 7, 2023 |
| Book Page | 6367/1340 |
| Instrument | 2023026109 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 337 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Transaction Type | Mortgage |
| Record Updated | Aug 5, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Document Number | 0062532690 |
|---|---|
| Date | Jul 19, 2022 |
| Book Page | 6253/2690 |
| Instrument | 2022110914 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 345 Months |
| Due | Apr 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 22, 2019 |
| Property Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Document Number | 0056100169 |
| Book / Page | 5610 / 0169 |
| Map Reference | MB 27 PG 87 |
| Instrument Date | Oct 18, 2019 |
| Instrument | 2019136756 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,820.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412 |
| Name | Verified Name |
|---|---|
| Address | 5320 ROCHESTER PL, SAINT CLOUD, FL 34771-7678 |
| Document Number | 0005610173 |
|---|---|
| Date | Oct 22, 2019 |
| Instrument | 5610/173 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2049 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,257.00 (+3.32%) Homeowner's exemption | $242,053 (+5.99%) | $322,100 (-4.42%) Land $75,000 Building $247,100 |
| 2023 | $6,056.00 (+1.97%) Homeowner's exemption | $228,381 (+3%) | $337,000 (+13.85%) Land $65,000 Building $272,000 |
| 2022 | $5,939.00 Homeowner's exemption | $221,730 | $296,000 Land $65,000 Building $231,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 70 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 70 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 69% of the US · above 50% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 162 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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