Osceola County property record for 5348 Pavia Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,112 sqft · built 2021 |
| Lot Size | 0.16 acres (6,969 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $347,220 (Jul 2021) |
| Tax Bill | $5,089 (2025) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jul 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-5015-0001-1290 |
| Primary APN | 16-25-31-5015-0001-1290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,112 sqft Living Area |
| Gross Area | 2,673 sqft |
| 1st Floor Area | 2,112 sqft |
| Flooring | Tile |
| 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 |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5348 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 129 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 129 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-5015-0001-1290
Assessment roll updated November 26, 2025 · Last verified June 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 | 5348 PAVIA DR, SAINT CLOUD, FL 34771-8056 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 12, 2026 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK |
| Jul 12, 2021 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M/I FINANCIAL LLC |
| Oct 05, 2020 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 12, 2021 · Amount on Record |
| Deed Sale | Jul 12, 2021 · Amount on Record |
| Deed Document Number | 2021107715 |
| Deed Book / Page | 5999 / 2776 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 12, 2026 |
| Property Address | 5348 PAVIA DR, SAINT CLOUD, FL 34771-8056 |
| Document Number | 0000077798 |
| Book / Page | 6987 / 1657 |
| Instrument Date | May 09, 2026 |
| Instrument | 202677798 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5348 PAVIA DR, SAINT CLOUD, FL 34771-8056 |
| Document Number | 0000077798, |
|---|---|
| Date | Jun 12, 2026 |
| Book Page | 6987/1657 |
| Instrument | 202677798 |
| Name | FIFTH THIRD BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 25, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 12, 2021 |
| Property Address | 5348 PAVIA DR, SAINT CLOUD, FL 34771-8056 |
| Document Number | 0059992776 |
| Book / Page | 5999 / 2776 |
| Map Reference | MB 28 PG 14-19 |
| Instrument Date | Jul 09, 2021 |
| Instrument | 2021107715 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,431.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054 |
| Name | Verified Name |
|---|---|
| Address | 5348 PAVIA DR, SAINT CLOUD, FL 34771-8056 |
| Document Number | 0059992778 |
|---|---|
| Date | Jul 12, 2021 |
| Instrument | 5999/2778 |
| Name | M/I FINANCIAL LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 05, 2020 |
| Property Address | 5348 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 |
| Amount | Amount Recorded |
|---|---|
| Tax | $7,028.00 |
| Additional |
|
| Name | Verified Name |
|---|
| 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 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $5,089.00 (+6.89%) Homeowner's exemption | $356,756 (+5.99%) | $378,900 (-2.62%) Land $80,000 Building $298,900 |
| 2023 | $4,761.00 (+3.91%) Homeowner's exemption | $336,604 (+3%) | $389,100 (+19.06%) Land $80,000 Building $309,100 |
| 2022 | $4,582.00 Homeowner's exemption | $326,800 Land $55,000 Building $271,800 | $326,800 Land $55,000 Building $271,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 444 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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