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2881 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2881 Matera Dr, Saint Cloud, FL 34771 · Last verified June 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,810 sqft · built 2018
Lot Size0.24 acres (10,454 sqft)
Owner2 Individual Names on File
Last Sale$353,000 (Sep 2018)
Tax Bill$712 (2025)
Deeds & MortgagesFeb 2026 Line of Credit
May 2021 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN09-25-31-5021-0001-0100

Property Details

APN / Parcel Number

Primary APN09-25-31-5021-0001-0100
Alternative APN
  • 253109502100010100

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories2 Stories
Building Area2,810 sqft Living Area
Gross Area3,693 sqft
1st Floor Area1,632 sqft
Upper Floors Area1,178 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area10,454 sqft (0.24 acres)
Garage TypeAttached
Garage Area430 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

Pool TypeIn-Ground Pool
Pool Area420 sqft
PorchOpen/Unfinished Porch
Porch Area453 sqft
Deck Area580 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2881 MATERA DR
CitySAINT CLOUD
StateFL
Zip34771-9131
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSPLIT OAK ESTATES PB 26 PGS 19-22 LOT 10
Legal Range31E
Legal Township25S
Legal Section09
Legal SubdivisionSPLIT OAK ESTATES
Legal Block100
Legal Lot Number10
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1014
Census Tract43700

Owner

Source: Osceola County records · APN 09-25-31-5021-0001-0100

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

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

Owner of Record2 Individual Names on File
Mailing Address2881 MATERA DR, SAINT CLOUD, FL 34771-9131
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Feb 11, 2026Deed of Trust, Mortgage · Line of Credit
REGIONS BANK
May 28, 2021Deed of Trust, Mortgage · VA Mortgage
CARDINAL FINANCIAL COMPANY LP
Sep 20, 2018Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 20, 2018 · Amount on Record
Deed SaleSep 20, 2018 · Amount on Record
Deed Document Number2018141284
Deed Book / Page5403 / 1857
Record UpdatedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2881 MATERA DR, SAINT CLOUD, FL 34771-9131
Transaction TypeMortgage
Record UpdatedMar 03, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2881 MATERA DR, SAINT CLOUD, FL 34771-9131

Mortgage

Document Number0069212261
DateFeb 11, 2026
Book Page6921/2261
Instrument2026019483
Lender
NameREGIONS BANK
TypeBank
AddressBIRMINGHAM, AL 35244
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueFeb 22, 2056
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2881 MATERA DR, SAINT CLOUD, FL 34771-9131
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address2881 MATERA DR, SAINT CLOUD, FL 34771-9131

Mortgage

Document Number0059682757
DateMay 28, 2021
Book Page5968/2757
Instrument2021083448
Lender
NameCARDINAL FINANCIAL COMPANY LP
TypeMortgage Company
AddressCHARLOTTE, NC 28273
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term351 Months
DueAug 01, 2050

September 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 20, 2018
Property Address2881 MATERA DR, SAINT CLOUD, FL 34771-9131
Document Number0054031857
Book / Page5403 / 1857
Map ReferenceMB26 PG19-22
Instrument DateSep 18, 2018
Instrument2018141284
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyPGP TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,471.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address00000

Transferred To (Grantee/Buyer)

NameVerified Name
Address4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383

Mortgage

Document Number0054031859
DateSep 20, 2018
Book Page5403/1859
Instrument2018141285
Lender
NamePULTE MORTGAGE LLC
TypeMortgage Company
AddressENGLEWOOD, CO 80112
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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$712.00 (+12.84%) Homeowner's exemption Veteran's exemption$381,626 (+5.99%)$461,500 (-5.06%) Land $90,000 Building $371,500
2024$631.00 (+1.61%)
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$360,069 (+3%)$486,100 (+15.16%) Land $90,000 Building $396,100
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$349,582$422,100 Land $80,000 Building $342,100

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
Nearest Special Flood Hazard AreaZone AE, within 500 ft
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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