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2860 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2860 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,144 sqft · built 2019
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on File
Last Sale$445,000 (Dec 2021)
Tax Bill$5,656 (2025)
Deeds & MortgagesDec 2021 Sale & Mortgage
Aug 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN092531502100011270

Property Details

APN / Parcel Number

Primary APN092531502100011270

Interior

Bedrooms3 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories1 Story
Building Area2,144 sqft Heated Area
Gross Area2,848 sqft
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialConcrete Block
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeFinished
PorchOpen Porch
Patio Area256 sqft
FenceFence

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2860 MATERA DR
CitySAINT CLOUD
StateFL
Zip34771-9130
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPLIT OAK ESTATES PB 26 PGS 19-22 LOT 127
Legal SubdivisionSPLIT OAK ESTATES/RESERVE
Legal Lot Number127
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1017
Census Tract43700

Owner

Source: Osceola County records · APN 092531502100011270

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 RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address2860 MATERA DR, SAINT CLOUD, FL 34771-9130
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Dec 14, 2021Warranty Deed, Transfer · Conventional Mortgage
ALLY BANK
Aug 12, 2019Grant Deed, Subdivision Related Transfer · VA Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleDec 14, 2021 · Amount on Record
Deed SaleDec 14, 2021 · Amount on Record
Prior SaleAug 12, 2019 · Amount on Record
Deed Document Number2021192821
Deed Book / Page6107 / 2415
Record UpdatedJun 08, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateDec 14, 2021
Property Address2860 MATERA DR, SAINT CLOUD, FL 34771-9130
Document Number0061072415
Book / Page6107 / 2415
Map ReferenceMB 26 PG 19-22
Instrument DateDec 06, 2021
Instrument2021192821
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyCELEBRATION TITLE GROUP

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,115.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6333 STABLE FARM, SAN ANTONIO, TX 78249-4643

Transferred To (Grantee/Buyer)

NameVerified Name
Address2860 MATERA DR, SAINT CLOUD, FL 34771-9130

Mortgage

Document Number0061072417
DateDec 14, 2021
Instrument6107/2417
Lender
NameALLY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJan 01, 2052

August 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateAug 12, 2019
Property Address2860 MATERA DR, SAINT CLOUD, FL 34771-9130
Document Number0055720682
Book / Page005572 / 000682
Instrument DateAug 07, 2019
Instrument103974
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 27, 2019
Title CompanyPGP TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,460.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2860 MATERA DR ST CLOUD FL 347719130, ST CLOUD, FL 34771-9130

Mortgage

Document Number55720684
DateAug 12, 2019
Book Page005572/000684
Instrument103975
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term240 Months
DueAug 11, 2039

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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$5,656.00 (+6.7%) Homeowner's exemption$397,729 (+5.99%)$399,900 (-5.88%) Land $90,000 Building $309,900
2023$5,301.00 (+4.43%) Homeowner's exemption$375,263 (+3.64%)$424,900 (+17.34%) Land $90,000 Building $334,900
2022$5,076.00 Homeowner's exemption$362,100 Land $80,000 Building $282,100$362,100 Land $80,000 Building $282,100

Flood & Wildfire

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

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 69% of the US · above 49% of Florida
Wildfire LikelihoodAbout 1 in 340 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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