Osceola County property record for 2795 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 2,900 sqft · built 2020 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $437,600 (Sep 2020) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Feb 2026 Second Mortgage Sep 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502200010450 |
| Primary APN | 092531502200010450 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,900 sqft Heated Area |
| Gross Area | 3,755 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Patio Area | 420 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2795 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 45 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES/RESERVE |
| Legal Phase | 2 |
| Legal Tract | 5022 |
| Legal Lot Number | 45 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
Source: Osceola County records, as of December 11, 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 Record |
|---|---|
| Mailing Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 13, 2026 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU |
| Sep 13, 2022 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| Aug 27, 2021 | Deed of Trust, Mortgage · VA Mortgage ARCUS LENDING INC |
| Sep 24, 2020 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 24, 2020 · Amount on Record |
| Deed Sale | Sep 24, 2020 · Amount on Record |
| Deed Document Number | 2020128507 |
| Deed Book / Page | 5800 / 36 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Transaction Type | Mortgage |
| Record Updated | Mar 3, 2026 |
| Name | Verified Name |
|---|---|
| Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Document Number | 0069222919 |
|---|---|
| Date | Feb 13, 2026 |
| Book Page | 6922/2919 |
| Instrument | 2026020807 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Document Number | 0062841754 |
|---|---|
| Date | Sep 13, 2022 |
| Book Page | 6284/1754 |
| Instrument | 2022138734 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 479 Months |
| Due | Aug 23, 2062 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Document Number | 0060310886 |
|---|---|
| Date | Aug 27, 2021 |
| Book Page | 6031/886 |
| Instrument | 2021133327 |
| Name | ARCUS LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | SAN JOSE, CA 95128 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 24, 2020 |
| Property Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Document Number | 0058000036 |
| Book / Page | 5800 / 36 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Sep 23, 2020 |
| Instrument | 2020128507 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,063.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2795 MATERA DR, SAINT CLOUD, FL 34771-9155 |
| Document Number | 0000580038 |
|---|---|
| Date | Sep 24, 2020 |
| Instrument | 5800/38 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2050 |
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 | $712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $390,052 (+7.22%) | $468,900 (-5.23%) Land $90,000 Building $378,900 |
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $363,782 (+3%) | $494,800 (+16.84%) Land $90,000 Building $404,800 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $353,187 | $423,500 Land $80,000 Building $343,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: 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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