Osceola County property record for 2889 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,978 sqft · built 2018 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $312,000 (Dec 2019) |
| Tax Bill | $4,389 (2025) |
| Deeds & Mortgages | Dec 2019 Sale & Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5021-0001-0060 |
| Primary APN | 09-25-31-5021-0001-0060 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,978 sqft Living Area |
| Gross Area | 2,634 sqft |
| 1st Floor Area | 1,978 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| 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 | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 216 sqft |
| Patio Area | 90 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2889 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 6 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES |
| Legal Lot Number | 6 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-5021-0001-0060
Assessment roll updated November 26, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 2889 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 16, 2019 | Warranty Deed, Transfer · FHA Mortgage FBC MORTGAGE LLC |
| Sep 28, 2018 | Intrafamily Transfer, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 16, 2019 · Amount on Record |
| Deed Sale | Dec 16, 2019 · Amount on Record |
| Deed Document Number | 2019162344 |
| Deed Book / Page | 5640 / 2383 |
| Prior Transfer Date | Sep 26, 2018 |
| Prior Transfer Doc | 0054090694 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 16, 2019 |
| Property Address | 2889 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0056402383 |
| Book / Page | 5640 / 2383 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Dec 13, 2019 |
| Instrument | 2019162344 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | LEADING EDGE TTL OF CTRL FL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,184.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5873 CALAIS LN, 5873, SAINT PETERSBURG, FL 33714-2092 |
| Name | Verified Name |
|---|---|
| Address | 2889 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0056402389 |
|---|---|
| Date | Dec 16, 2019 |
| Instrument | 5640/2389 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 28, 2018 |
| Property Address | 2889 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0054090694 |
| Book / Page | 5409 / 0694 |
| Map Reference | MB26 PG19-22 |
| Instrument Date | Sep 26, 2018 |
| Instrument | 2018146414 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | PGP TITLE OF FLORIDA INC |
| 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 | 2889 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 2018146415 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 2018146415 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 | $4,389.00 (+4.95%) Homeowner's exemption | $306,243 (+5.99%) | $387,200 (-5.74%) Land $90,000 Building $297,200 |
| 2024 | $4,182.00 (+2.1%) | ||
| 2023 | $4,096.00 (+4.07%) Homeowner's exemption | $288,945 (+3%) | $410,800 (+16.44%) Land $90,000 Building $320,800 |
| 2022 | $3,936.00 Homeowner's exemption | $280,530 | $352,800 Land $80,000 Building $272,800 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 |
|
| 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 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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 278 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TWA SUNBRIDGE WATER TREATMENT PLANT public/private · serves 542 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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