2863 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2863 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,496 sqft · built 2020
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$394,300 (May 2020)
Tax Bill	$5,560 (2025)
Deeds & Mortgages	May 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`092531502100010190`

Property Details

APN / Parcel Number

Primary APN	`092531502100010190`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,496 sqft Heated Area
Gross Area	3,408 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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
Patio Area	1,368 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2863 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 19
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES/RESERVE
Legal Tract	5021
Legal Lot Number	19
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1014
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502100010190

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	2 Individual Names on File
Mailing Address	2863 MATERA DR, SAINT CLOUD, FL 34771-9131
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 28, 2020 · Amount on Record
Deed Sale	May 28, 2020 · Amount on Record
Deed Document Number	2020068717
Deed Book / Page	5728 / 490
Record Updated	Jun 08, 2026

May 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 28, 2020
Property Address	2863 MATERA DR, SAINT CLOUD, FL 34771-9131
Document Number	0057280490
Book / Page	005728 / 000490
Instrument Date	May 26, 2020
Instrument	68717
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 20, 2020
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Tax	$2,760.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2863 MATERA DR ST CLOUD FL 347719131, ST CLOUD, FL 34771-9131

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,560.00 (+9.49%) Homeowner's exemption	$390,743 (+8.74%)	$468,800 (-4.19%) Land $90,000 Building $378,800
2023	$5,078.00 Homeowner's exemption	$359,326	$489,300 Land $90,000 Building $399,300

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 330 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	330 in force 293 of 330 on primary residences
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 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 Risk	High above 75% of the US · above 60% of Florida
Wildfire Likelihood	About 1 in 184 per year
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.