Osceola County property record for 2820 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3 ba · 5,246 sqft · built 2021 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $875,000 (Sep 2025) |
| Tax Bill | $9,352 (2025) |
| Deeds & Mortgages | Sep 2025 Sale & Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502200010930 |
| Primary APN | 092531502200010930 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 5,246 sqft Heated Area |
| Gross Area | 6,032 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2021 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Type | Finished |
| Pool Type | In-Ground Pool |
| Pool Area | 480 sqft |
| Deck Area | 502 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2820 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 93 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES/RESERVE |
| Legal Phase | 2 |
| Legal Tract | 5022 |
| Legal Lot Number | 93 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 43700 |
Source: Osceola County records · APN 092531502200010930
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 2820 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 29, 2025 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Nov 12, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 29, 2025 · Amount on Record |
| Deed Sale | Sep 29, 2025 · Amount on Record |
| Prior Sale | Nov 12, 2021 · Amount on Record |
| Deed Document Number | 2025119650 |
| Deed Book / Page | 6855 / 1129 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 29, 2025 |
| Property Address | 2820 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0068551129 |
| Book / Page | 6855 / 1129 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Sep 25, 2025 |
| Instrument | 2025119650 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,125.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2347 KELBROOK CT, OVIEDO, FL 32765-2301 |
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 2820 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0068551131 |
|---|---|
| Date | Sep 29, 2025 |
| Instrument | 6855/1131 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2055 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 12, 2021 |
| Property Address | 2820 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0060850900 |
| Book / Page | 6085 / 900 |
| Map Reference | MB 28 PG 3&4 |
| Instrument Date | Nov 09, 2021 |
| Instrument | 2021176045 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,307.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2820 MATERA DR, SAINT CLOUD, FL 34771-9154 |
| Document Number | 0006085902 |
|---|---|
| Date | Nov 12, 2021 |
| Instrument | 6085/902 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $9,352.00 (-6.54%) Homeowner's exemption | $664,500 (-7.64%) Land $90,000 Building $574,500 | $664,500 (-7.64%) Land $90,000 Building $574,500 |
| 2024 | $10,006.00 (+1.15%) Homeowner's exemption | $719,500 (+2.2%) Land $90,000 Building $629,500 | $719,500 (+2.2%) Land $90,000 Building $629,500 |
| 2023 | $9,892.00 (+8.22%) Homeowner's exemption | $704,000 (+1.46%) Land $90,000 Building $614,000 | $704,000 (+1.46%) Land $90,000 Building $614,000 |
| 2022 | $9,141.00 Homeowner's exemption | $693,900 Land $80,000 Building $613,900 | $693,900 Land $80,000 Building $613,900 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 72% of the US · above 55% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 201 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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