Osceola County property record for 5364 Carrara Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,597 sqft · built 2018 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $301,500 (Jul 2018) |
| Tax Bill | $4,240 (2025) |
| Deeds & Mortgages | Nov 2022 Line of Credit May 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 162531501400010470 |
| Primary APN | 162531501400010470 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,597 sqft Heated Area |
| Gross Area | 3,535 sqft |
| 1st Floor Area | 1,059 sqft |
| Upper Floors Area | 1,538 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,405 sqft (0.169 acres) |
| Garage Type | Finished |
| Garage Area | 441 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 497 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5364 CARRARA CT |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8046 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SUNSET GROVE PH 1 PB 25 PGS 46-50 LOT 47 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE |
| Legal Phase | 1 |
| Legal Tract | 5014 |
| Legal Lot Number | 47 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531501400010470
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5364 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 01, 2022 | Deed of Trust, Mortgage · Line of Credit SOUTH STATE BANK NA |
| May 23, 2020 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 05, 2018 · Amount on Record |
| Deed Sale | Jul 05, 2018 · Amount on Record |
| Deed Document Number | 2018102468 |
| Deed Book / Page | 5361 / 1990 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5364 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5364 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Document Number | 0063081714 |
|---|---|
| Date | Nov 01, 2022 |
| Book Page | 6308/1714 |
| Instrument | 2022160232 |
| Name | SOUTH STATE BANK NA |
|---|---|
| Type | Bank |
| Address | KISSIMMEE, FL 34743 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Oct 20, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5364 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Document Number | 0057421588 |
| Instrument Date | May 23, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 29, 2020 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS |
| Name | Verified Name |
|---|---|
| Address | 5364 CARRARA CT ST CLOUD FL 347718046, ST CLOUD, FL 34771-8046 |
| Document Number | 0057421588 |
|---|---|
| Date | Jun 24, 2020 |
| Book Page | 005742/001588 |
| Instrument | 80907 |
| Name | PENNYMAC |
|---|---|
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 23, 2050 |
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 | $4,240.00 (+7.23%) Homeowner's exemption | $295,469 (+5.99%) | $408,500 (-2.74%) Land $80,000 Building $328,500 |
| 2023 | $3,954.00 (+4.11%) Homeowner's exemption | $278,779 (+3%) | $420,000 (+18.44%) Land $80,000 Building $340,000 |
| 2022 | $3,798.00 Homeowner's exemption | $270,660 | $354,600 Land $55,000 Building $299,600 |
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 |
|---|---|
| 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 | Moderate above 67% of the US · above 46% 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) |
|---|---|
| Lumen Technologies Fiber | 2,000 / 1,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, Xfinity.
Based on FCC filings for 444 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 | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| 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 full violation and enforcement history is in the system's EPA record.
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