Osceola County property record for 2788 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 7 bd · 6 ba · 5,346 sqft · built 2022 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $740,500 (Mar 2022) |
| Tax Bill | $9,828 (2025) |
| Deeds & Mortgages | Jul 2024 Line of Credit Mar 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502200010810 |
| Primary APN | 092531502200010810 |
|---|
| Bedrooms | 7 Beds |
|---|---|
| Full Baths | 6 Baths |
| Stories | 2 Stories |
| Building Area | 5,346 sqft Heated Area |
| Gross Area | 6,491 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Finished |
| Pool Area | 96 sqft |
|---|---|
| Porch | Open Porch |
| Deck Area | 804 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2788 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 81 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES/RESERVE |
| Legal Phase | 2 |
| Legal Tract | 5022 |
| Legal Lot Number | 81 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
2788 Matera Dr is owned and occupied by an individual who bought it in March 2022.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 2788 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 1, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Mar 25, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 25, 2022 · Amount on File |
| Deed Sale | Mar 25, 2022 · Amount on File |
| Deed Document Number | 2022047846 |
| Deed Book / Page | 6179 / 2275 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2788 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2788 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0066252822 |
|---|---|
| Date | Jul 1, 2024 |
| Book Page | 6625/2822 |
| Instrument | 2024085807 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Jun 25, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 25, 2022 |
| Property Address | 2788 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0061792275 |
| Book / Page | 6179 / 2275 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Mar 22, 2022 |
| Instrument | 2022047846 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,183.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2788 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0061792277 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 6179/2277 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2052 |
The 2025 property tax bill for 2788 Matera Dr was $9,828 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,828.00 Homeowner's exemption | $698,800 Land $90,000 Building $608,800 | $698,800 Land $90,000 Building $608,800 |
| 2023 | $9,847.00 (+544.02%) Homeowner's exemption | $700,800 (+776%) Land $90,000 Building $610,800 | $700,800 (+776%) Land $90,000 Building $610,800 |
| 2022 | $1,529.00 | $80,000 Land $80,000 | $80,000 Land $80,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2788 Matera Dr in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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.
Wildfire risk around 2788 Matera Dr is high, ranking above 76% of the US, with a 0.5% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 1,200 / 35 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
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