5338 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5338 Pavia Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,464 sqft · built 2021
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$420,300 (Jul 2021)
Tax Bill	$7,192 (2025)
Deeds & Mortgages	Aug 2024 Line of Credit Jul 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162531501500011240`

Property Details

APN / Parcel Number

Primary APN	`162531501500011240`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	3,464 sqft Heated Area
Gross Area	4,415 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	6,534 sqft (0.15 acres)
Garage Type	Finished
Porch	Open Porch
Patio Area	1,116 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5338 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 124
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	124
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 162531501500011240

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	5338 PAVIA DR, SAINT CLOUD, FL 34771-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2024	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Jul 14, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M/I FINANCIAL LLC
Oct 05, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 14, 2021 · Amount on Record
Deed Sale	Jul 14, 2021 · Amount on Record
Deed Document Number	0006002122
Deed Book / Page	6002 / 122
Record Updated	Jun 08, 2026

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5338 PAVIA DR, SAINT CLOUD, FL 34771-8056
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5338 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0066520851
Date	Aug 20, 2024
Book Page	6652/851
Instrument	2024108037

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jul 28, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 14, 2021
Property Address	5338 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0060020122
Book / Page	6002 / 122
Map Reference	MB 28 PG 14-19
Instrument Date	Jul 14, 2021
Instrument	2021109270
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	$2,942.10
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	5338 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0006002124
Date	Jul 14, 2021
Instrument	6002/124

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 01, 2036

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 05, 2020
Property Address	5338 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0058060001
Book / Page	005806 / 000001
Instrument Date	Oct 01, 2020
Instrument	132985
Transaction Type	Transfer
Record Updated	Oct 28, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$7,028.00
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	$7,192.00 (+8.84%) Homeowner's exemption	$508,589 (+8.47%)	$530,700 (-0.73%) Land $80,000 Building $450,700
2023	$6,608.00 (+3.62%) Homeowner's exemption	$468,856 (+3%)	$534,600 (+17.44%) Land $80,000 Building $454,600
2022	$6,377.00 Homeowner's exemption	$455,200 Land $55,000 Building $400,200	$455,200 Land $55,000 Building $400,200

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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