2886 Matera Dr, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2886 Matera Dr, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,657 sqft · built 2018
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$439,700 (Oct 2018)
Tax Bill	$712 (2025)
Deeds & Mortgages	Mar 2025 Second Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`092531502100011910`

Property Details

APN / Parcel Number

Primary APN	`092531502100011910`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,657 sqft Heated Area
Gross Area	3,740 sqft
1st Floor Area	2,657 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,276 sqft (0.189 acres)
Garage Type	Finished
Garage Area	688 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Pool Area	64 sqft
Porch	Open Porch
Porch Area	395 sqft
Deck Area	586 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2886 MATERA DR
City	SAINT CLOUD
State	FL
Zip	34771-9132
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SPLIT OAK ESTATES PB 26 PGS 19-22 LOT 191
Legal Range	31E
Legal Township	25S
Legal Section	09
Legal Subdivision	SPLIT OAK ESTATES/RESERVE
Legal Tract	5021
Legal Lot Number	191
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	43700

Owner

Source: Osceola County records · APN 092531502100011910

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	2886 MATERA DR, SAINT CLOUD, FL 34771-9132
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Jul 20, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Oct 16, 2018	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 16, 2018 · Amount on Record
Deed Sale	Oct 16, 2018 · Amount on Record
Deed Document Number	2018155010
Deed Book / Page	5418 / 0987
Record Updated	Jun 08, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2886 MATERA DR, SAINT CLOUD, FL 34771-9132
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2869 MATERA DR, SAINT CLOUD, FL 34771-9131

Mortgage

Document Number	0067601125
Date	Mar 26, 2025
Book Page	6760/1125
Instrument	2025037844

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Apr 01, 2035

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2886 MATERA DR, SAINT CLOUD, FL 34771-9132
Transaction Type	Mortgage
Record Updated	Feb 08, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057571606
Date	Jul 20, 2020
Book Page	5757/1606
Instrument	2020094052

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2050

October 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 16, 2018
Property Address	2886 MATERA DR, SAINT CLOUD, FL 34771-9132
Document Number	0054180987
Book / Page	5418 / 0987
Map Reference	MB26 PG19-22
Instrument Date	Oct 15, 2018
Instrument	2018155010
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	PGP TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,077.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2886 MATERA DR, SAINT CLOUD, FL 34771-9132

Mortgage

Document Number	2018155011
Date	Oct 16, 2018
Instrument	2018155011

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2048

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	$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$401,078 (+5.99%)	$478,600 (-5.56%) Land $90,000 Building $388,600
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$378,423 (+3%)	$506,800 (+15.13%) Land $90,000 Building $416,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$367,401	$440,200 Land $80,000 Building $360,200

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
Nearby Flood Claims	18 (2004–2022)
Claims Outside the SFHA	1 of 18
Most Recent Claim	Oct 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 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.

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

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Xfinity	Cable	2,000 / 250
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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