5346 Pavia Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5346 Pavia Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,802 sqft · built 2021
Lot Size	0.16 acres (6,969 sqft)
Owner	2 Individual Names on Record
Last Sale	$333,560 (Jun 2021)
Tax Bill	$4,690 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-1280`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-1280`
Alternative APN	`253116501500011280`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,802 sqft Living Area
Gross Area	2,338 sqft
1st Floor Area	1,802 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	6,969 sqft (0.16 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	5346 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 128
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	128
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records, as of August 31, 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	5346 PAVIA DR, SAINT CLOUD, FL 34771-8056
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Deed of Trust, Mortgage · FHA Mortgage MORTGAGE CONNECT
Jun 30, 2021	Warranty Deed, Subdivision Related Transfer · FHA Mortgage M/I FINANCIAL LLC
Oct 5, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2021 · Amount on Record
Deed Sale	Jun 30, 2021 · Amount on Record
Deed Document Number	2021102418
Deed Book / Page	5992 / 2869
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 19, 2026
Property Address	5346 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0000108238
Book / Page	7022 / 1060
Instrument Date	Jul 6, 2026
Instrument	2026108238
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0000108238,
Date	Aug 19, 2026
Book Page	7022/1060
Instrument	2026108238

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Jul 1, 2051

Interest

Max Rate	-1%

June 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 30, 2021
Property Address	5346 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0059922869
Book / Page	5992 / 2869
Map Reference	MB 28 PG 14-19
Instrument Date	Jun 30, 2021
Instrument	2021102418
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 Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,335.20
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
Relationship	Joint Tenants with Right of Survivorship
Address	5346 PAVIA DR, SAINT CLOUD, FL 34771-8056

Mortgage

Document Number	0059922871
Date	Jun 30, 2021
Instrument	5992/2871

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

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

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2020
Property Address	5346 PAVIA DR, SAINT CLOUD, FL 34771-8056
Document Number	0058060001
Book / Page	005806 / 000001
Instrument Date	Oct 1, 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 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	$4,690.00 (+7.05%) Homeowner's exemption	$327,936 (+5.99%)	$349,900 (-2.56%) Land $80,000 Building $269,900
2023	$4,381.00 (+3.99%) Homeowner's exemption	$309,412 (+3%)	$359,100 (+19.54%) Land $80,000 Building $279,100
2022	$4,213.00 Homeowner's exemption	$300,400 Land $55,000 Building $245,400	$300,400 Land $55,000 Building $245,400

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

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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)
CenturyLink 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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