2866 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2866 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,690 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$405,600 (Oct 2019)
Tax Bill	$7,368 (2025)
Deeds & Mortgages	Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`092531502100011300`

Property Details

APN / Parcel Number

Primary APN	`092531502100011300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,690 sqft Heated Area
Gross Area	3,755 sqft
1st Floor Area	2,690 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
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
Garage Area	670 sqft

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	336 sqft
Porch	Open Porch
Porch Area	395 sqft
Deck Area	664 sqft
Patio Area	224 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2866 MATERA DR
City	SAINT CLOUD
State	FL
Zip	34771-9130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK ESTATES PB 26 PGS 19-22 LOT 130
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES/RESERVE
Legal Tract	5021
Legal Lot Number	130
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502100011300

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	2866 MATERA DR, SAINT CLOUD, FL 34771-9130
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 29, 2019 · Amount on Record
Deed Sale	Oct 29, 2019 · Amount on Record
Deed Document Number	2019139783
Deed Book / Page	5613 / 1821
Record Updated	Jun 08, 2026

October 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 29, 2019
Property Address	2866 MATERA DR, SAINT CLOUD, FL 34771-9130
Document Number	0056131821
Book / Page	5613 / 1821
Map Reference	MB 26 PG 19-22
Instrument Date	Sep 30, 2019
Instrument	2019139783
Transaction Type	Subdivision Related Transfer
Record Updated	May 02, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,839.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2866 MATERA DR, SAINT CLOUD, FL 34771-9130

Mortgage

Document Number	0056131823
Date	Oct 29, 2019
Instrument	5613/1823

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

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	$7,368.00 (+4.54%)	$480,400 (-5.36%) Land $90,000 Building $390,400	$480,400 (-5.36%) Land $90,000 Building $390,400
2023	$7,048.00 (+11.84%)	$507,600 (+15.52%) Land $90,000 Building $417,600	$507,600 (+15.52%) Land $90,000 Building $417,600
2022	$6,302.00	$439,400 Land $80,000 Building $359,400	$439,400 Land $80,000 Building $359,400

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.