2785 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2785 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,746 sqft · built 2022
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$606,500 (Feb 2022)
Tax Bill	$712 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092531502200010500`

Property Details

APN / Parcel Number

Primary APN	`092531502200010500`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	3,746 sqft Heated Area
Gross Area	5,002 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Pool Area	24 sqft
Deck Area	966 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2785 MATERA DR
City	SAINT CLOUD
State	FL
Zip	34771-9155
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK ESTATES PH 2 PB 28 PGS 3-4 LOT 50
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES/RESERVE
Legal Phase	2
Legal Tract	5022
Legal Lot Number	50
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1016
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502200010500

Assessment roll updated July 1, 2025 · Last verified December 2025

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	2785 MATERA DR, SAINT CLOUD, FL 34771-9155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 16, 2022 · Amount on Record
Deed Sale	Feb 16, 2022 · Amount on Record
Deed Document Number	2022025709
Deed Book / Page	6151 / 1569
Record Updated	Jun 08, 2026

February 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 16, 2022
Property Address	2785 MATERA DR, SAINT CLOUD, FL 34771-9155
Document Number	0061511569
Book / Page	6151 / 1569
Map Reference	MB 28 PG 3&4
Instrument Date	Feb 11, 2022
Instrument	2022025709
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$4,245.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2785 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number	0061511571
Date	Feb 16, 2022
Instrument	6151/1571

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$599,200 (+0.79%) Land $90,000 Building $509,200	$599,200 (+0.79%) Land $90,000 Building $509,200
2023	$621.00 (-59.39%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$594,500 (+643.13%) Land $90,000 Building $504,500	$594,500 (+643.13%) Land $90,000 Building $504,500
2022	$1,529.00	$80,000 Land $80,000	$80,000 Land $80,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
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, tidal / storm surge, Hurricane Ian
Claims By Storm	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	About 1 in 195 per year
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 85 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	1,200 / 35
Spectrum	Fiber	1,000 / 1,000

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.