Osceola County property record for 5388 Carrara Ct, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,586 sqft · built 2019 |
| Lot Size | 0.18 acres (7,840 sqft) |
| Owner | Individual Name on File |
| Last Sale | $317,800 (May 2019) |
| Tax Bill | $4,225 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 16-25-31-5014-0001-0370 |
| Primary APN | 16-25-31-5014-0001-0370 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,586 sqft Living Area |
| Gross Area | 3,524 sqft |
| 1st Floor Area | 1,059 sqft |
| Upper Floors Area | 1,527 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2019 |
|---|---|
| Effective Year Built | Effective 2019 |
| Architectural Style | Conventional |
| Exterior Material | Combination |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,840 sqft (0.18 acres) |
| Garage Type | Attached |
| Garage Area | 441 sqft |
| Porch | Slab |
| Porch Area | 497 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 5388 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 37 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE PH 1 |
| Legal Phase | 1 |
| Legal Block | 370 |
| Legal Lot Number | 37 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-5014-0001-0370
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5388 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| May 29, 2019 | Special Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 29, 2019 · Amount on Record |
| Deed Sale | May 29, 2019 · Amount on Record |
| Prior Sale | Feb 01, 2017 · Amount on Record |
| Deed Document Number | 201968907 |
| Deed Book / Page | 5531 / 1535 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5388 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5388 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Document Number | 0061102705 |
|---|---|
| Date | Dec 17, 2021 |
| Book Page | 6110/2705 |
| Instrument | 2021195283 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 01, 2051 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 29, 2019 |
| Property Address | 5388 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Document Number | 0055311535 |
| Book / Page | 5531 / 1535 |
| Map Reference | MB 425 PG 46 |
| Instrument Date | May 23, 2019 |
| Instrument | 2019068907 |
| Transaction Type | Transfer |
| Record Updated | May 02, 2022 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,224.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MAITLAND CENTER PKWY STE 220, 2300, MAITLAND, FL 32751-7411 |
| Name | Verified Name |
|---|---|
| Address | 5388 CARRARA CT, SAINT CLOUD, FL 34771-8046 |
| Document Number | 0055311537 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 5531/1537 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $4,225.00 (+7.26%) Homeowner's exemption | $294,386 (+5.99%) | $409,400 (-2.76%) Land $80,000 Building $329,400 |
| 2023 | $3,939.00 (+4.1%) Homeowner's exemption | $277,758 (+3%) | $421,000 (+18.66%) Land $80,000 Building $341,000 |
| 2022 | $3,784.00 Homeowner's exemption | $269,668 | $354,800 Land $55,000 Building $299,800 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970437001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Flood Insurance Cost | Premium on Record median of 330 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force 293 of 330 on primary residences |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022, tidal / storm surge, Hurricane Ian |
| Flood Events |
|
| Wildfire Risk | Moderate above 67% of the US · above 46% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 383 per year |
| Exposure | Indirect within ember reach |
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.
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