2803 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2803 Matera Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,810 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$346,300 (Sep 2020)
Tax Bill	$6,547 (2025)
Deeds & Mortgages	Sep 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`092531502200010410`

Property Details

APN / Parcel Number

Primary APN	`092531502200010410`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,810 sqft Heated Area
Gross Area	3,293 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,841 sqft (0.18 acres)
Garage Type	Finished
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2803 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 41
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES/RESERVE
Legal Phase	2
Legal Tract	5022
Legal Lot Number	41
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1016
Census Tract	43700

Owner

Source: Osceola County assessment roll, as of July 1, 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	2803 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	Sep 25, 2020 · Amount on Record
Deed Sale	Sep 25, 2020 · Amount on Record
Deed Document Number	2020128917
Deed Book / Page	5800 / 1170
Record Updated	Jun 8, 2026

September 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 25, 2020
Property Address	2803 MATERA DR, SAINT CLOUD, FL 34771-9155
Document Number	0058001170
Book / Page	005800 / 001170
Instrument Date	Sep 17, 2020
Instrument	128917
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 21, 2020
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Tax	$2,424.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2803 MATERA DR ST CLOUD FL 347719155, ST CLOUD, FL 34771-9155

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,547.00 (+4.7%)	$421,100 (-5.96%) Land $90,000 Building $331,100	$421,100 (-5.96%) Land $90,000 Building $331,100
2023	$6,253.00 (+12.24%)	$447,800 (+16.74%) Land $90,000 Building $357,800	$447,800 (+16.74%) Land $90,000 Building $357,800
2022	$5,571.00	$383,600 Land $80,000 Building $303,600	$383,600 Land $80,000 Building $303,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025

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