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2823 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2823 Matera Dr, Saint Cloud, FL 34771 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 2,144 sqft · built 2021
Lot Size0.17 acres (7,405 sqft)
OwnerIndividual Name on File
Last Sale$413,400 (Jun 2021)
Tax Bill$712 (2025)
Deeds & MortgagesJun 2026 Mortgage
Mar 2026 Transfer
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-25-31-5022-0001-0310

Property Details

APN / Parcel Number

Primary APN09-25-31-5022-0001-0310
Alternative APN
  • 253109502200010310

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,144 sqft Living Area
Gross Area2,848 sqft
1st Floor Area2,144 sqft
FlooringCarpet

Exterior

Year BuiltBuilt 2021
Effective Year BuiltEffective 2021
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.17 acres)
Garage TypeAttached
Garage Area420 sqft
PorchFlorida Room

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2823 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 31
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionSPLIT OAK ESTATES PH 2
Legal Phase2
Legal Lot Number31
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1016
Census Tract43700

Owner

Source: Osceola County records · APN 09-25-31-5022-0001-0310

Assessment roll updated November 26, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 11, 2026Deed of Trust, Mortgage · VA Mortgage
ROCKET MORTGAGE LLC
Mar 24, 2026Quit Claim Deed, Transfer
Quitclaim
Jun 04, 2021Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 04, 2021 · Amount on Record
Deed SaleJun 04, 2021 · Amount on Record
Deed Document Number202187286
Deed Book / Page5973 / 2723
Last Transfer DateMar 24, 2026
Transfer Doc0000038722
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateJun 11, 2026
Property Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155
Document Number0000076916
Book / Page6986 / 1997
Instrument DateJun 04, 2026
Instrument202676916
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number0000076916,
DateJun 11, 2026
Book Page6986/1997
Instrument202676916
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 01, 2056
Interest
Rate TypeAdjustable Rate
Rate6.37%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

March 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateMar 24, 2026
Property Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155
Document Number0069421731
Book / Page6942 / 1731
Instrument DateMar 24, 2026
Instrument2026038722
Transaction TypeTransfer
Record UpdatedApr 02, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155

June 2021: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 04, 2021
Property Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155
Document Number0059732723
Book / Page5973 / 2723
Map ReferenceMB 28 PG 3&4
Instrument DateMay 26, 2021
Instrument2021087286
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,893.80
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

NameVerified Name
Address2823 MATERA DR, SAINT CLOUD, FL 34771-9155

Mortgage

Document Number0059732732
DateJun 04, 2021
Instrument5973/2732
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueJun 01, 2051

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$712.00 (+12.84%) Homeowner's exemption Veteran's exemption$402,278 (+5.99%)$404,000 (-5.85%) Land $90,000 Building $314,000
2024$631.00 (+1.61%)
2023$621.00 (-87.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$379,555 (+3%)$429,100 (+16.45%) Land $90,000 Building $339,100
2022$5,095.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$368,500 Land $80,000 Building $288,500$368,500 Land $80,000 Building $288,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 330 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
293 of 330 on primary residences
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022, tidal / storm surge, Hurricane Ian
Flood Events
  • Hurricane Ian (Oct 2022), 2 claims
  • Hurricane Ian (Sep 2022), 5 claims
  • Hurricane Frances (Sep 2004), 6 claims

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

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