Osceola County property record for 2888 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,144 sqft · built 2018 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $525,000 (Jul 2022) |
| Tax Bill | $5,939 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Jul 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5021-0001-1920 |
| Primary APN | 09-25-31-5021-0001-1920 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,708 sqft |
| 1st Floor Area | 2,144 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 318 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 144 sqft |
| Deck Area | 682 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2888 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 192 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES |
| Legal Block | 1920 |
| Legal Lot Number | 192 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1015 |
| Census Tract | 43700 |
Source: Osceola County records, as of November 26, 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 Record |
|---|---|
| Mailing Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Apr 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC |
| Jul 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 11, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 4, 2018 | Special Warranty Deed, Construction Loan · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 19, 2022 · Amount on Record |
| Deed Sale | Jul 19, 2022 · Amount on Record |
| Prior Sale | Sep 4, 2018 · Amount on Record |
| Deed Document Number | 2022110922 |
| Deed Book / Page | 6253 / 2724 |
| Prior Transfer Date | Aug 30, 2018 |
| Prior Transfer Doc | 0053950082 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Document Number | 0059430142 |
|---|---|
| Date | Apr 23, 2021 |
| Book Page | 5943/142 |
| Instrument | 2021062394 |
| Name | WYNDHAM CAPITAL MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | May 1, 2041 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 19, 2022 |
| Property Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Document Number | 0062532724 |
| Book / Page | 6253 / 2724 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Jul 12, 2022 |
| Instrument | 2022110922 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | PROMINENT TITLE LLC, PROMINENCE T&E LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,675.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1473 INDIAN TRL S, PALM HARBOR, FL 34683-2814 |
| Name | Verified Name |
|---|---|
| Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Document Number | 0062532725 |
|---|---|
| Date | Jul 19, 2022 |
| Instrument | 6253/2725 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 11, 2019 |
| Property Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Document Number | 0054891745 |
| Book / Page | 005489 / 001745 |
| Instrument Date | Mar 11, 2019 |
| Instrument | 30921 |
| Transaction Type | Transfer |
| Record Updated | Mar 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2888 MATERA DR ST CLOUD FL 347719132, ST CLOUD, FL 34771-9132 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 4, 2018 |
| Property Address | 2888 MATERA DR, SAINT CLOUD, FL 34771-9132 |
| Document Number | 0053950082 |
| Book / Page | 5395 / 0082 |
| Map Reference | MB26 PG19-22 |
| Instrument Date | Aug 30, 2018 |
| Instrument | 2018132945 |
| Transaction Type | Construction Loan |
| Record Updated | Feb 8, 2022 |
| Title Company | PGP TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,102.80 |
| Amount Accuracy | Rounded by County |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4901 VINELAND RD STE 500, 500, ORLANDO, FL 32811-7383 |
| Document Number | 2018132946 |
|---|---|
| Date | Sep 4, 2018 |
| Instrument | 2018132946 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2048 |
Source: Osceola County assessment roll, as of November 26, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,939.00 (-5.29%) Homeowner's exemption | $418,100 (+1.19%) Land $90,000 Building $328,100 | $418,100 (+1.19%) Land $90,000 Building $328,100 |
| 2024 | $6,271.00 (+7.55%) | ||
| 2023 | $5,831.00 (+47.88%) Homeowner's exemption | $413,200 (+47.02%) Land $90,000 Building $323,200 | $413,200 (+16.62%) Land $90,000 Building $323,200 |
| 2022 | $3,943.00 Homeowner's exemption | $281,053 | $354,300 Land $80,000 Building $274,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 330 policies |
| 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 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 71% of the US · above 53% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people · EPA ID FL3494439 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2025 |
| Also Mapped Here | TOHO WATER AUTHORITY-POINCIANA SYSTEM |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 278 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Xfinity Cable | 2,000 / 250 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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