2787 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2787 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 4,012 sqft · built 2022
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$648,300 (Mar 2022)
Tax Bill	$9,292 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092531502200010490`

Property Details

APN / Parcel Number

Primary APN	`092531502200010490`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,012 sqft Heated Area
Gross Area	5,052 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

Exterior Amenities

Pool Area	406 sqft
Porch	Open Porch
Deck Area	554 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2787 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 49
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES/RESERVE
Legal Phase	2
Legal Tract	5022
Legal Lot Number	49
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1016
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502200010490

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
Co-owner	Verified Secondary Owner
Mailing Address	2787 MATERA DR, SAINT CLOUD, FL 34771-9155
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 02, 2022 · Amount on Record
Deed Sale	Mar 02, 2022 · Amount on Record
Deed Document Number	2022034129
Deed Book / Page	6162 / 2091
Record Updated	Jun 08, 2026

March 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 02, 2022
Property Address	2787 MATERA DR, SAINT CLOUD, FL 34771-9155
Document Number	0061622091
Book / Page	6162 / 2091
Map Reference	MB 28 PG 3&4
Instrument Date	Feb 22, 2022
Instrument	2022034129
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	$4,538.10
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	2757 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number	0061622093
Date	Mar 02, 2022
Instrument	6162/2093

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 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	$9,292.00 (-4.91%)	$619,300 (-5.49%) Land $90,000 Building $529,300	$619,300 (-5.49%) Land $90,000 Building $529,300
2023	$9,772.00 (+539.11%)	$655,300 (+719.13%) Land $90,000 Building $565,300	$655,300 (+719.13%) Land $90,000 Building $565,300
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 293 of 330 on primary residences
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 2022, tidal / storm surge, Hurricane Ian
Flood Events	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.