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2855 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2855 Matera Dr, Saint Cloud, FL 34771 · Last verified August 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,657 sqft · built 2018
Lot Size0.18 acres (7,840 sqft)
OwnerCompany Name on File
Last Sale$615,000 (Nov 2022)
Tax Bill$6,834 (2025)
Deeds & MortgagesJul 2021 Mortgage
Nov 2022 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-25-31-5021-0001-0230

Property Details

APN / Parcel Number

Primary APN09-25-31-5021-0001-0230
Alternative APN
  • 253109502100010230

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,657 sqft Living Area
Gross Area3,740 sqft
1st Floor Area2,657 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,840 sqft (0.18 acres)
Garage TypeAttached
Garage Area688 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area336 sqft
PorchFlorida Room
Porch Area395 sqft
Deck Area126 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2855 MATERA DR
CitySAINT CLOUD
StateFL
Zip34771-9131
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPLIT OAK ESTATES PB 26 PGS 19-22 LOT 23
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionSPLIT OAK ESTATES
Legal Block230
Legal Lot Number23
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1014
Census Tract43700

Owner

Source: Osceola County records · APN 09-25-31-5021-0001-0230

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

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

Owner of RecordCompany Name on File
Mailing Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Family Living Trust

Deeds, Mortgages & Sale History

DateDocument
Jul 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
ARVEST BANK
Nov 30, 2022Warranty Deed, Transfer · Conventional Mortgage
PARTNERS FCU
Nov 16, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 30, 2022 · Amount on Record
Deed SaleNov 30, 2022 · Amount on Record
Prior SaleDec 21, 2018 · Amount on Record
Deed Document Number2022172516
Deed Book / Page6322 / 1462
Prior Transfer DateOct 17, 2020
Prior Transfer Doc0058332217
Record UpdatedSep 20, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131

Mortgage

Document Number0059991132
DateJul 09, 2021
Book Page5999/1132
Instrument2021107336
Lender
NameARVEST BANK
TypeBank
AddressLOWELL, AR 72745
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueAug 01, 2036

November 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 30, 2022
Property Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131
Document Number0063221462
Book / Page6322 / 1462
Map ReferenceMB 26 PG 19-22
Instrument DateNov 29, 2022
Instrument2022172516
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$4,305.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipFamily Living Trust
Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131

Mortgage

Document Number0063221469
DateNov 30, 2022
Instrument6322/1469
Lender
NamePARTNERS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2052
Interest
Rate TypeAdjustable Rate
Rate5.75%
Type Change DateDec 01, 2029
Change FrequencyAnnually
Min Rate At Change2.62%
Max Rate At Change10.7%
Index1-Year T-Bill
Max Rate10.7%

November 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateNov 16, 2020
Property Address2855 MATERA DR, SAINT CLOUD, FL 34771-9131
Document Number0058332217
Book / Page005833 / 002217
Instrument DateOct 17, 2020
Instrument156644
Transaction TypeTransfer
Record UpdatedDec 04, 2020
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipPersonal Trust
Address2855 MATERA DR ST CLOUD FL 347719131, ST CLOUD, FL 34771-9131

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 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$6,834.00 (-5.67%) Homeowner's exemption$482,700 (-4.89%) Land $90,000 Building $392,700$482,700 (-4.89%) Land $90,000 Building $392,700
2024$7,245.00 (+1.36%)
2023$7,148.00 (+38.53%) Homeowner's exemption$507,500 (+37.87%) Land $90,000 Building $417,500$507,500 (+16.75%) Land $90,000 Building $417,500
2022$5,160.00 Homeowner's exemption$368,112$434,700 Land $80,000 Building $354,700

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
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 2022, tidal / storm surge, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims
  • Hurricane Ian, Sep 2022 · 5 claims
  • Hurricane Frances, Sep 2004 · 6 claims

Wildfire

Wildfire RiskHigh
above 75% of the US · above 60% of Florida
Wildfire LikelihoodAbout 1 in 184 per year
ExposureDirect
burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 278 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
AT&TFiber5,000 / 5,000
XfinityCable2,000 / 250
SpectrumCable1,000 / 1,000
VerizonFixed Wireless300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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