5381 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5381 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,859 sqft · built 2019
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$375,000 (Jul 2021)
Tax Bill	$4,795 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162531501400010990`

Property Details

APN / Parcel Number

Primary APN	`162531501400010990`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,859 sqft Heated Area
Gross Area	2,367 sqft
1st Floor Area	1,859 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Garage Area	438 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	70 sqft
Patio Area	150 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5381 CARRARA CT
City	SAINT CLOUD
State	FL
Zip	34771-8047
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVE PH 1 PB 25 PGS 46-50 LOT 99
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	1
Legal Tract	5014
Legal Lot Number	99
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43700

Owner

5381 Carrara Ct is owned and occupied by an individual who bought it in July 2021.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	2 Co-owners on File
Mailing Address	5381 CARRARA CT, SAINT CLOUD, FL 34771-8047
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Warranty Deed, Transfer · Conventional Mortgage EQUITY PRIME MORTGAGE LLC
Oct 3, 2019	Deed of Trust, Mortgage · Line of Credit PRIORITY CU
Apr 5, 2019	Special Warranty Deed, Transfer · Conventional Mortgage EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 29, 2021 · Amount on File
Deed Sale	Jul 29, 2021 · Amount on File
Prior Sale	Apr 5, 2019 · Amount on File
Deed Document Number	2021117564
Deed Book / Page	6012 / 780
Record Updated	Jun 8, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 29, 2021
Property Address	5381 CARRARA CT, SAINT CLOUD, FL 34771-8047
Document Number	0060120780
Book / Page	6012 / 780
Map Reference	MB 25 PG 46
Instrument Date	Jul 27, 2021
Instrument	2021117564
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,625.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1263 LAS CRUCES DR, WINTER SPRINGS, FL 32708-4843

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1999 MARSH HAWK DR, ORLANDO, FL 32837-8133

Mortgage

Document Number	0006012785
Date	Jul 29, 2021
Instrument	6012/785

Lender

Name	EQUITY PRIME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5381 CARRARA CT, SAINT CLOUD, FL 34771-8047
Document Number	0056371246
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Dec 27, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5381 CARRARA CT ST CLOUD FL 347718047, ST CLOUD, FL 34771-8047

Mortgage

Document Number	0056371246
Date	Dec 10, 2019
Book Page	005637/001246
Instrument	159477

Lender

Name	PRIORITY CU
Address	ORLANDO, FL 32856-8765

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Dec 9, 2039

Interest

Rate Type	Adjustable Rate

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2019
Property Address	5381 CARRARA CT, SAINT CLOUD, FL 34771-8047
Document Number	0055031551
Book / Page	5503 / 1551
Map Reference	MB 25 PG 46
Instrument Date	Mar 29, 2019
Instrument	2019043359
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CALATLANTIC TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,948.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5381 CARRARA CT, SAINT CLOUD, FL 34771-8047

Mortgage

Document Number	2019043360
Date	Apr 5, 2019
Instrument	2019043360

Lender

Name	EAGLE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5381 Carrara Ct was $4,795 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,795.00 Homeowner's exemption	$335,577	$356,800 Land $80,000 Building $276,800
2023	$4,482.00 (+3.97%) Homeowner's exemption	$316,622 (+3%)	$366,800 (+19.32%) Land $80,000 Building $286,800
2022	$4,311.00 Homeowner's exemption	$307,400 Land $55,000 Building $252,400	$307,400 Land $55,000 Building $252,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5381 Carrara Ct in Zone X, an area of minimal flood risk, though there have been 18 flood claims nearby since 2004.

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 File 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	Hurricane Ian, Oct 2022 · 2 claims Hurricane Ian, Sep 2022 · 5 claims Hurricane Frances, Sep 2004 · 6 claims

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.

Wildfire

Wildfire risk around 5381 Carrara Ct is moderate, ranking above 67% of the US, with a 0.3% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 67% of the US · above 46% of Florida
Wildfire Likelihood	0.3% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 444 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink 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.

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