Osceola County property record for 2895 Matera Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,144 sqft · built 2020 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $434,000 (Dec 2024) |
| Tax Bill | $5,619 (2025) |
| Deeds & Mortgages | Dec 2024 Sale & Mortgage Dec 2020 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-25-31-5021-0001-0030 |
| Primary APN | 09-25-31-5021-0001-0030 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,144 sqft Living Area |
| Gross Area | 2,848 sqft |
| 1st Floor Area | 2,144 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.17 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Porch | Finished/Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 2895 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 3 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 09 |
| Legal Subdivision | SPLIT OAK ESTATES |
| Legal Block | 30 |
| Legal Lot Number | 3 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 43700 |
Source: Osceola County records · APN 09-25-31-5021-0001-0030
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 Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2895 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 03, 2024 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 29, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| May 04, 2020 | Grant Deed, Subdivision Related Transfer PGP TITLE |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 03, 2024 · Amount on Record |
| Deed Sale | Dec 03, 2024 · Amount on Record |
| Prior Sale | May 04, 2020 · Amount on Record |
| Deed Document Number | 2024152031 |
| Deed Book / Page | 6704 / 305 |
| Prior Transfer Date | Dec 29, 2020 |
| Prior Transfer Doc | 0058600749 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 03, 2024 |
| Property Address | 2895 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0067040305 |
| Book / Page | 6704 / 305 |
| Map Reference | MB 26 PG 19-22 |
| Instrument Date | Nov 26, 2024 |
| Instrument | 2024152031 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | CONCIERGE TITLE SERVICES LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,038.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 152 BAYAMO AVE NE, PALM BAY, FL 32907-3147 |
| Name | Verified Name |
|---|---|
| Address | 2895 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 2024152032 |
|---|---|
| Date | Dec 03, 2024 |
| Instrument | 2024152032 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2054 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 29, 2020 |
| Property Address | 2895 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0058600749 |
| Book / Page | 005860 / 000749 |
| Instrument Date | Dec 29, 2020 |
| Instrument | 176374 |
| Transaction Type | Transfer |
| Record Updated | Jan 18, 2021 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2895 MATERA DR ST CLOUD FL 347719131, ST CLOUD, FL 34771-9131 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 04, 2020 |
| Property Address | 2895 MATERA DR, SAINT CLOUD, FL 34771-9131 |
| Document Number | 0057170980 |
| Book / Page | 005717 / 000980 |
| Instrument Date | Apr 30, 2020 |
| Instrument | 59820 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 24, 2020 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,294.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2895 MATERA DR ST CLOUD FL 347719131, ST CLOUD, FL 34771-9131 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified June 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 | $5,619.00 (-8.77%) | $395,000 (-5.86%) Land $90,000 Building $305,000 | $395,000 (-5.86%) Land $90,000 Building $305,000 |
| 2024 | $6,159.00 (+4.6%) | ||
| 2023 | $5,888.00 (+12.22%) | $419,600 (+16.75%) Land $90,000 Building $329,600 | $419,600 (+16.75%) Land $90,000 Building $329,600 |
| 2022 | $5,247.00 | $359,400 Land $80,000 Building $279,400 | $359,400 Land $80,000 Building $279,400 |
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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