Osceola County property record for 5345 Pavia Dr, Saint Cloud, FL 34771 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,516 sqft · built 2020 |
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100 (Sep 2022) |
| Tax Bill | $2,299 (2025) |
| Deeds & Mortgages | Mar 2023 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-5015-0001-0870 |
| Primary APN | 16-25-31-5015-0001-0870 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,516 sqft Living Area |
| Gross Area | 3,086 sqft |
| 1st Floor Area | 2,516 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.19 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5345 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 87 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 87 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-5015-0001-0870
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Mar 30, 2023 | Deed of Trust, Mortgage · SBA Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Sep 15, 2022 | Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP |
| Dec 23, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 15, 2022 · Amount on Record |
| Deed Sale | Sep 15, 2022 · Amount on Record |
| Deed Document Number | 2022140287 |
| Deed Book / Page | 6286 / 1602 |
| Prior Transfer Date | Sep 08, 2022 |
| Prior Transfer Doc | 0062861602 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0063790096 |
|---|---|
| Date | Mar 30, 2023 |
| Book Page | 6379/96 |
| Instrument | 2023036092 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | BIRMINGHAM, AL 35203 |
| Type | SBA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 358 Months |
| Due | Jan 01, 2053 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 15, 2022 |
| Property Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0062861602 |
| Book / Page | 6286 / 1602 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Sep 08, 2022 |
| Instrument | 2022140287 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | AMROCK INC, AMROCK LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Name | Verified Name |
|---|---|
| Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0062861605 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 6286/1605 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 23, 2020 |
| Property Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0058571145 |
| Book / Page | 5857 / 1145 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Dec 21, 2020 |
| Instrument | 2020174579 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | M I TITLE AGENCY LTD L C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,436.70 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 400, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Address | 5345 PAVIA DR, SAINT CLOUD, FL 34771-8057 |
| Document Number | 0058571147 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 5857/1147 |
| Name | PARAMOUNT RESIDENTIAL MORTGAGE GROU |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $2,299.00 (+3.19%) Homeowner's exemption Veteran's exemption | $337,210 (+5.99%) | $420,400 (-2.78%) Land $80,000 Building $340,400 |
| 2024 | $2,228.00 (+258.78%) | ||
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $318,163 (+3%) | $432,400 (+18.56%) Land $80,000 Building $352,400 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $308,897 | $364,700 Land $55,000 Building $309,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
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