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2815 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2815 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 4,012 sqft · built 2022
Lot Size0.169 acres (7,405 sqft)
Owner2 Individual Names on File
Last Sale$642,900 (Mar 2022)
Tax Bill$6,828 (2025)
Deeds & MortgagesMar 2022 Mortgage
Dec 2022 Line of Credit
+ 1 more
Flood ZoneZone X (minimal risk)
APN092531502200010350

Property Details

APN / Parcel Number

Primary APN092531502200010350

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area4,012 sqft Heated Area
Gross Area4,752 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2022
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address2815 MATERA DR
CitySAINT CLOUD
StateFL
Zip34771-9155
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPLIT OAK ESTATES PH 2 PB 28 PGS 3-4 LOT 35
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionSPLIT OAK ESTATES/RESERVE
Legal Phase2
Legal Tract5022
Legal Lot Number35
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1016
Census Tract43700

Owner

Source: Osceola County records · APN 092531502200010350

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of Record2 Individual Names on File
Co-ownerVerified Secondary Owner
Mailing Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 18, 2022Deed of Trust, Mortgage · Conventional Mortgage
PULTE MORTGAGE LLC
Dec 15, 2022Deed of Trust, Mortgage · Line of Credit
SERVICE FCU
May 21, 2024Deed of Trust, Mortgage · Commercial Mortgage
HOMETAP EQUITY PARTNERS LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 11, 2022 · Amount on Record
Deed SaleMar 11, 2022 · Amount on Record
Deed Document Number0061742044
Record UpdatedJun 08, 2026

March 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number0061742046
DateMar 18, 2022
Book Page6174/2046
Instrument2022043562
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
AddressENGLEWOOD, CO 80112
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2052

December 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyCOVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number0063292859
DateDec 15, 2022
Book Page6329/2859
Instrument2022179274
Lender
NameSERVICE FCU
TypeCredit Union
AddressPORTSMOUTH, NH 03801
Agreement
TypeLine of Credit
AmountAmount Recorded
Term300 Months
DueDec 30, 2047
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2024: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2815 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number0066040139
DateMay 21, 2024
Book Page6604/139
Instrument2024067039
Lender
NameHOMETAP EQUITY PARTNERS LLC
TypeNon-Lending Institution
AddressBOSTON, MA 02116
Agreement
TypeCommercial Mortgage
AmountAmount Recorded

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$6,828.00 (+6.44%) Homeowner's exemption$482,261 (+5.99%)$571,900 (-6.35%) Land $90,000 Building $481,900
2023$6,415.00 (+319.56%) Homeowner's exemption$455,020 (+468.78%)$610,700 (+663.38%) Land $90,000 Building $520,700
2022$1,529.00$80,000 Land $80,000$80,000 Land $80,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskHigh
above 72% of the US · above 55% of Florida
Wildfire LikelihoodAbout 1 in 201 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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