Osceola County property record for 2814 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,657 sqft · built 2020 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $402,100 (Dec 2020) |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Mar 2026 Transfer Aug 2022 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5022-0001-0900 |
| Primary APN | 09-25-31-5022-0001-0900 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,657 sqft Living Area |
| Gross Area | 3,740 sqft |
| 1st Floor Area | 2,657 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| 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 | 688 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2814 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 90 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES PH 2 |
| Legal Phase | 2 |
| Legal Lot Number | 90 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
Source: Osceola County records, as of March 26, 2026
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 Record |
|---|---|
| Mailing Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 9, 2026 | Intrafamily Transfer, Transfer |
| Aug 30, 2022 | Deed of Trust, Mortgage · Line of Credit M & T BANK |
| Jun 17, 2025 | Intrafamily Transfer, Transfer |
| Dec 11, 2020 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 11, 2020 · Amount on Record |
| Deed Sale | Dec 11, 2020 · Amount on Record |
| Deed Document Number | 2020168700 |
| Deed Book / Page | 5849 / 2678 |
| Last Transfer Date | Jun 17, 2025 |
| Transfer Doc | 0068051321 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 9, 2026 |
| Property Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0069331703 |
| Book / Page | 6933 / 1703 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Mar 4, 2026 |
| Instrument | 2026030299 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Name | Verified Name |
|---|---|
| Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0062772770 |
|---|---|
| Date | Aug 30, 2022 |
| Book Page | 6277/2770 |
| Instrument | 2022132735 |
| Name | M & T BANK |
|---|---|
| Type | Bank |
| Address | BUFFALO, NY 14203 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 17, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 17, 2025 |
| Property Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0068051321 |
| Book / Page | 6805 / 1321 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Jun 17, 2025 |
| Instrument | 2025075919 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Name | Verified Name |
|---|---|
| Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 11, 2020 |
| Property Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0058492678 |
| Book / Page | 5849 / 2678 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Dec 9, 2020 |
| Instrument | 2020168700 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,814.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2814 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0058492680 |
|---|---|
| Date | Dec 11, 2020 |
| Instrument | 5849/2680 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
Source: Osceola County assessment roll, as of November 26, 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 (+12.84%) | $371,056 (+5.99%) | $448,800 (-6.07%) Land $90,000 Building $358,800 |
| 2024 | $631.00 (+1.61%) | ||
| 2023 | $621.00 (-86.78%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $350,097 (+3%) | $477,800 (+16.91%) Land $90,000 Building $387,800 |
| 2022 | $4,696.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $339,900 | $408,700 Land $80,000 Building $328,700 |
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 71% of the US · above 54% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 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 |
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