Osceola County property record for 2768 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,690 sqft · built 2021 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $570,000 (Feb 2026) |
| Tax Bill | $7,001 (2025) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Sep 2022 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5022-0001-0760 |
| Primary APN | 09-25-31-5022-0001-0760 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,690 sqft Living Area |
| Gross Area | 3,755 sqft |
| 1st Floor Area | 2,690 sqft |
| Flooring | Tile |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| 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 | 670 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2768 MATERA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9154 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPLIT OAK ESTATES PH 2 PB 28 PGS 3-4 LOT 76 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 76 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-5022-0001-0760
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 | 755 CONSERVATION CIR, FAIRBORN, OH 45324-4386 |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Feb 20, 2026 | Warranty Deed, Transfer · Conventional Mortgage USAA FSB |
| Sep 08, 2022 | Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY |
| Feb 01, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage UBS BANK USA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 20, 2026 · Amount on Record |
| Deed Sale | Feb 20, 2026 · Amount on Record |
| Prior Sale | Feb 01, 2022 |
| Deed Document Number | 202624580 |
| Deed Book / Page | 6926 / 2736 |
| Prior Transfer Date | Aug 29, 2022 |
| Prior Transfer Doc | 0062821743 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 20, 2026 |
| Property Address | 2768 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0069262736 |
| Book / Page | 6926 / 2736 |
| Map Reference | MB 28 PG 3-4 |
| Instrument Date | Feb 19, 2026 |
| Instrument | 2026024580 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2026 |
| Title Company | A CLEAR CHOICE T&E OF OSCEOL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 945 ANDREWS LN, GATES MILLS, OH 44040-9665 |
| Name | Verified Name |
|---|---|
| Address | 755 CONSERVATION CIR, FAIRBORN, OH 45324-4386 |
| Document Number | 0069262738 |
|---|---|
| Date | Feb 20, 2026 |
| Instrument | 6926/2738 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 08, 2022 |
| Property Address | 2768 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0062821743 |
| Book / Page | 6282 / 1743 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Aug 29, 2022 |
| Instrument | 2022136842 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 945 ANDREWS LN, GATES MILLS, OH 44040-9665 |
| Name | Verified Name |
|---|---|
| Relationship | Family Trust |
| Address | 945 ANDREWS LN, GATES MILLS, OH 44040-9665 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 01, 2022 |
| Property Address | 2768 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0061410042 |
| Book / Page | 6141 / 42 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Dec 29, 2021 |
| Instrument | 2022016958 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,157.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2768 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0000614144 |
|---|---|
| Date | Feb 01, 2022 |
| Instrument | 6141/44 |
| Name | UBS BANK USA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jan 01, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 2.75% |
| Type Change Date | Jan 01, 2037 |
| Change Frequency | 6 Months |
| Min Rate At Change | 3% |
| Max Rate At Change | 7.75% |
| Index | Other |
| Margin | 3 |
| Max Rate | 12.7% |
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 | $7,001.00 (-5.35%) | $453,900 (-6.01%) Land $90,000 Building $363,900 | $453,900 (-6.01%) Land $90,000 Building $363,900 |
| 2024 | $7,397.00 (+3.79%) | ||
| 2023 | $7,127.00 (+12.17%) | $482,900 (+16.81%) Land $90,000 Building $392,900 | $482,900 (+16.81%) Land $90,000 Building $392,900 |
| 2022 | $6,354.00 | $413,400 Land $80,000 Building $333,400 | $413,400 Land $80,000 Building $333,400 |
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 | High above 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures