Osceola County property record for 2725 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,496 sqft · built 2019 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $550,000 (Jul 2026) |
| Tax Bill | $5,918 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2022 Re-recorded Document + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5021-0001-1510 |
| Primary APN | 09-25-31-5021-0001-1510 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,496 sqft Living Area |
| Gross Area | 3,408 sqft |
| 1st Floor Area | 2,496 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 560 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 352 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2725 MATERA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9129 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPLIT OAK ESTATES PB 26 PGS 19-22 LOT 151 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES |
| Legal Block | 1510 |
| Legal Lot Number | 151 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-5021-0001-1510
Assessment roll updated November 26, 2025 · Last verified August 2026
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 |
|---|---|
| Mailing Address | 18150 IRONSTONE WAY, LAKEVILLE, MN 55044-5014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 22, 2026 | Warranty Deed, Transfer · Conventional Mortgage GRIFFIN FUNDING INC |
| May 04, 2022 | Re-recorded Document |
| Jan 29, 2019 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 22, 2026 · Amount on Record |
| Deed Sale | Jul 22, 2026 · Amount on Record |
| Prior Sale | May 04, 2022 · Amount on Record |
| Deed Document Number | 202695843 |
| Deed Book / Page | 7007 / 2517 |
| Prior Transfer Date | Jun 01, 2021 |
| Prior Transfer Doc | 0062071944 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 22, 2026 |
| Property Address | 2725 MATERA DR, SAINT CLOUD, FL 34771-9129 |
| Document Number | 0000095843 |
| Book / Page | 7007 / 2517 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 202695843 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2026 |
| Title Company | TROPICS TITLE SERVICES INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $388,850.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 18150 IRONSTONE WAY, LAKEVILLE, MN 55044-5014 |
| Document Number | 0000095844, |
|---|---|
| Date | Jul 22, 2026 |
| Instrument | 202695844 |
| Name | GRIFFIN FUNDING INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Re-recorded Document |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 04, 2022 |
| Property Address | 2725 MATERA DR, SAINT CLOUD, FL 34771-9129 |
| Document Number | 0062071944 |
| Book / Page | 6207 / 1944 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jun 01, 2021 |
| Instrument | 2022071171 |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Name | Verified Name |
|---|---|
| Address | 414 BARLYN AVE, HAINES CITY, FL 33844-6373 |
| Name | Verified Name |
|---|---|
| Address | 2725 MATERA DR, SAINT CLOUD, FL 34771-9129 |
| Investor | Possibly a Property Investor |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 29, 2019 |
| Property Address | 2725 MATERA DR, SAINT CLOUD, FL 34771-9129 |
| Document Number | 0054691346 |
| Book / Page | 5469 / 1346 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jan 28, 2019 |
| Instrument | 2019011809 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DBA PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,594.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2725 MATERA DR, SAINT CLOUD, FL 34771-9129 |
| Document Number | 2019011810 |
|---|---|
| Date | Jan 29, 2019 |
| Instrument | 2019011810 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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 | $5,918.00 (+6.63%) Homeowner's exemption | $416,632 (+5.99%) | $457,200 (-6.1%) Land $90,000 Building $367,200 |
| 2023 | $5,550.00 (+3.76%) Homeowner's exemption | $393,099 (+3%) | $486,900 (+16.85%) Land $90,000 Building $396,900 |
| 2022 | $5,349.00 Homeowner's exemption | $381,650 | $416,700 Land $80,000 Building $336,700 |
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 69% of the US · above 49% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 278 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 | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Also Mapped Here | TOHO WATER AUTHORITY-POINCIANA SYSTEM |
| 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 service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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