Osceola County property record for 2885 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,746 sqft · built 2019 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $712 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 092531502100010080 |
| Primary APN | 092531502100010080 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,746 sqft Heated Area |
| Gross Area | 4,802 sqft |
| 1st Floor Area | 1,716 sqft |
| Upper Floors Area | 2,030 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| 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 | 700 sqft |
| Porch | Finished/Screened Porch |
| Porch Area | 356 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 2885 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 8 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES/RESERVE |
| Legal Tract | 5021 |
| Legal Lot Number | 8 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43700 |
Source: Osceola County records · APN 092531502100010080
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 | 2885 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 04, 2021 | Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jan 30, 2019 | Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jan 30, 2019 |
| Deed Sale | Jan 30, 2019 |
| Deed Document Number | 2019012242 |
| Deed Book / Page | 5469 / 2873 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2885 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2885 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Investor | Possibly a Property Investor |
| Document Number | 0058630965 |
|---|---|
| Date | Jan 04, 2021 |
| Book Page | 5863/965 |
| Instrument | 2021000074 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 355 Months |
| Due | Aug 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 30, 2019 |
| Property Address | 2885 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0054692873 |
| Book / Page | 5469 / 2873 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jan 29, 2018 |
| Instrument | 2019012242 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DBA PGP TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 2885 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 2019012243 |
|---|---|
| Date | Jan 30, 2019 |
| Instrument | 2019012243 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2049 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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 | $712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $414,859 (+5.99%) | $553,900 (-6.33%) Land $90,000 Building $463,900 |
| 2023 | $621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $391,426 (+3%) | $591,300 (+16.86%) Land $90,000 Building $501,300 |
| 2022 | $576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $380,026 | $506,000 Land $80,000 Building $426,000 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 287 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures