Osceola County property record for 2859 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,144 sqft · built 2020 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $440,000 (Jun 2024) |
| Tax Bill | $3,489 (2025) |
| Deeds & Mortgages | Jun 2024 Sale Jun 2023 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5021-0001-0210 |
| Primary APN | 09-25-31-5021-0001-0210 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,848 sqft |
| 1st Floor Area | 2,144 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2859 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 21 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES |
| Legal Block | 210 |
| Legal Lot Number | 21 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-5021-0001-0210
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 28, 2024 | Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Jun 09, 2023 | Quit Claim Deed, Transfer Quitclaim |
| Mar 05, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 28, 2024 · Amount on Record |
| Deed Sale | Jun 28, 2024 · Amount on Record |
| Prior Sale | Mar 05, 2020 · Amount on Record |
| Deed Document Number | 202485732 |
| Deed Book / Page | 6625 / 2489 |
| Prior Transfer Date | Jun 09, 2023 |
| Prior Transfer Doc | 0064221376 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 28, 2024 |
| Property Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0066252489 |
| Book / Page | 6625 / 2489 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jun 25, 2024 |
| Instrument | 2024085732 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $3,080.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 12137 RAMBLING OAK BLVD, ORLANDO, FL 32832-5718 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 09, 2023 |
| Property Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0064221376 |
| Book / Page | 6422 / 1376 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jun 09, 2023 |
| Instrument | 2023074935 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2956 SUNRIDGE LOOP, SAINT CLOUD, FL 34771-8494 |
| Name | Verified Name |
|---|---|
| Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 05, 2020 |
| Property Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0056860435 |
| Book / Page | 5686 / 435 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Feb 28, 2020 |
| Instrument | 2020032150 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,391.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2859 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Investor | Possibly a Property Investor |
| Document Number | 0056860437 |
|---|---|
| Date | Mar 05, 2020 |
| Instrument | 5686/0437 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2050 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| 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 | $3,489.00 (-41.63%) | $251,295 (-40.11%) | $401,300 (-4.36%) Land $90,000 Building $311,300 |
| 2024 | $5,977.00 (+1.51%) | ||
| 2023 | $5,888.00 (+12.22%) | $419,600 (+16.75%) Land $90,000 Building $329,600 | $419,600 (+16.75%) Land $90,000 Building $329,600 |
| 2022 | $5,247.00 | $359,400 Land $80,000 Building $279,400 | $359,400 Land $80,000 Building $279,400 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 278 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Also Mapped Here | TOHO WATER AUTHORITY-POINCIANA SYSTEM |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ. The full violation and enforcement history is in the system's EPA record.
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