5385 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5385 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,439 sqft · built 2019
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$324,700 (Apr 2019)
Tax Bill	$5,144 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501400010970`

Property Details

APN / Parcel Number

Primary APN	`162531501400010970`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,439 sqft Heated Area
Gross Area	3,434 sqft
1st Floor Area	2,439 sqft
Flooring	Tile
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	7,841 sqft (0.18 acres)
Garage Type	Finished
Garage Area	675 sqft

Exterior Amenities

Pool Area	28 sqft
Porch	Open Porch
Porch Area	320 sqft
Deck Area	492 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5385 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 97
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	1
Legal Tract	5014
Legal Lot Number	97
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1025
Census Tract	43700

Owner

5385 Carrara Ct is owned and occupied by an individual who bought it in April 2019.

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

Owner of Record	Individual Name on File
Mailing Address	5385 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
Jan 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Apr 10, 2019	Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 10, 2019 · Amount on File
Deed Sale	Apr 10, 2019 · Amount on File
Deed Document Number	2019045311
Deed Book / Page	5505 / 1707
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5385 CARRARA CT, SAINT CLOUD, FL 34771-8047
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5385 CARRARA CT, SAINT CLOUD, FL 34771-8047

Mortgage

Document Number	0061231812
Date	Jan 6, 2022
Book Page	6123/1812
Instrument	2022003097

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

April 2019: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 10, 2019
Property Address	5385 CARRARA CT, SAINT CLOUD, FL 34771-8047
Document Number	0055051707
Book / Page	5505 / 1707
Map Reference	MB 25 PG 46
Instrument Date	Apr 9, 2019
Instrument	2019045311
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	$2,272.90
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
Address	5385 CARRARA CT, SAINT CLOUD, FL 34771-8047

Mortgage

Document Number	2019045312
Date	Apr 10, 2019
Instrument	2019045312

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5385 Carrara Ct was $5,144 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	$5,144.00 Homeowner's exemption	$360,771	$476,200 Land $80,000 Building $396,200
2023	$4,814.00 (+3.88%) Homeowner's exemption	$340,393 (+3%)	$486,500 (+17%) Land $80,000 Building $406,500
2022	$4,634.00 Homeowner's exemption	$330,479	$415,800 Land $55,000 Building $360,800

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

Flood

FEMA maps place 5385 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 5385 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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