2806 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2806 Matera Dr, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 5 ba · 4,139 sqft · built 2021
Lot Size	0.18 acres (7,840 sqft)
Owner	2 Individual Names on File
Last Sale	$662,400 (Jan 2022)
Tax Bill	$8,761 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09-25-31-5022-0001-0860`

Property Details

APN / Parcel Number

Primary APN	`09-25-31-5022-0001-0860`
Alternative APN	`253109502200010860`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Stories	2 Stories
Building Area	4,139 sqft Living Area
Gross Area	5,219 sqft
1st Floor Area	2,675 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,840 sqft (0.18 acres)
Garage Type	Attached
Garage Area	700 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Heating System	Central

Location & Zoning

Street Address	2806 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 86
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES PH 2
Legal Phase	2
Legal Lot Number	86
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	2806 MATERA DR, SAINT CLOUD, FL 34771-9154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 11, 2022 · Amount on Record
Deed Sale	Jan 11, 2022 · Amount on Record
Deed Document Number	20225308
Deed Book / Page	6126 / 1164
Record Updated	Sep 20, 2026

January 2022: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 11, 2022
Property Address	2806 MATERA DR, SAINT CLOUD, FL 34771-9154
Document Number	0061261164
Book / Page	6126 / 1164
Map Reference	MB 28 PG 3&4
Instrument Date	Dec 31, 2021
Instrument	2022005308
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	$4,636.80
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	2806 MATERA DR, SAINT CLOUD, FL 34771-9154

Mortgage

Document Number	0061261166
Date	Jan 11, 2022
Instrument	6126/1166

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$8,761.00 (+4.1%) Homeowner's exemption	$621,812 (+5.99%)	$624,000 (-6.35%) Land $90,000 Building $534,000
2024	$8,416.00 (+1.96%)
2023	$8,254.00 (+11.48%) Homeowner's exemption	$586,688 (+3%)	$666,300 (+16.98%) Land $90,000 Building $576,300
2022	$7,404.00 Homeowner's exemption	$569,600 Land $80,000 Building $489,600	$569,600 Land $80,000 Building $489,600

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
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