Osceola County property record for 2849 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,496 sqft · built 2022 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $619,000 (Apr 2023) |
| Tax Bill | $6,144 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit Apr 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502100010260 |
| Primary APN | 092531502100010260 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,496 sqft Heated Area |
| Gross Area | 3,492 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2022 |
|---|---|
| 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 |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2849 MATERA DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-9131 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SPLIT OAK ESTATES PB 26 PGS 19-22 LOT 26 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES/RESERVE |
| Legal Tract | 5021 |
| Legal Lot Number | 26 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43700 |
Source: Osceola County records · APN 092531502100010260
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 | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 22, 2022 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Apr 21, 2023 | Warranty Deed, Transfer UNIK TITLE LLC |
| Jul 06, 2022 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 21, 2023 · Amount on Record |
| Deed Sale | Apr 21, 2023 · Amount on Record |
| Prior Sale | Jul 06, 2022 · Amount on Record |
| Deed Document Number | 2023048340 |
| Deed Book / Page | 6392 / 2341 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | TITLE 365, TITLE365 |
| Name | Verified Name |
|---|---|
| Address | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0063190294 |
|---|---|
| Date | Nov 22, 2022 |
| Book Page | 6319/294 |
| Instrument | 2022169432 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 21, 2023 |
| Property Address | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0063922341 |
| Book / Page | 6392 / 2341 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Apr 14, 2023 |
| Instrument | 2023048340 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | UNIK TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $4,333.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2360 TRADEWINDS DR, KISSIMMEE, FL 34746-2163 |
| Name | Verified Name |
|---|---|
| Address | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 06, 2022 |
| Property Address | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0062452528 |
| Book / Page | 6245 / 2528 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jun 29, 2022 |
| Instrument | 2022104095 |
| 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 | $4,333.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND ROAD STE 500, 500, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2849 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0062452530 |
|---|---|
| Date | Jul 06, 2022 |
| Instrument | 6245/2530 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2052 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,144.00 (-12.86%) Homeowner's exemption | $432,900 (-5.97%) Land $90,000 Building $342,900 | $432,900 (-5.97%) Land $90,000 Building $342,900 |
| 2023 | $7,051.00 (+653.31%) | $460,400 (+475.5%) Land $90,000 Building $370,400 | $460,400 (+475.5%) Land $90,000 Building $370,400 |
| 2022 | $936.00 | $80,000 Land $80,000 | $80,000 Land $80,000 |
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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