5390 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5390 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,820 sqft · built 2019
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$540,000 (May 2022)
Tax Bill	$7,026 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Mar 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501400010360`

Property Details

APN / Parcel Number

Primary APN	`162531501400010360`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	2,820 sqft Heated Area
Gross Area	3,848 sqft
1st Floor Area	2,820 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	9,148 sqft (0.21 acres)
Garage Type	Finished
Garage Area	600 sqft
Porch	Open Porch
Porch Area	428 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5390 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 36
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	1
Legal Tract	5014
Legal Lot Number	36
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

5390 Carrara Ct is owned by an individual who bought it in May 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	13655 NW HENNINGER LN, PORTLAND, OR 97229-4135
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
May 19, 2022	Warranty Deed, Transfer · Conventional Mortgage FIRST GUARANTY MORTGAGE CORP
Mar 5, 2019	Grant Deed, Transfer · Conventional Mortgage & RICHARD B C P S P TRU (PT)

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2022 · Amount on File
Deed Sale	May 19, 2022 · Amount on File
Prior Sale	Mar 5, 2019 · Amount on File
Deed Document Number	2022079393
Deed Book / Page	6217 / 1445
Record Updated	Jun 8, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 19, 2022
Property Address	5390 CARRARA CT, SAINT CLOUD, FL 34771-8046
Document Number	0062171445
Book / Page	6217 / 1445
Map Reference	MB 25 PG 46
Instrument Date	Apr 25, 2022
Instrument	2022079393
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PREMIER TITLE/CTRL FL, PREMIER TITLE OF CTRL FL LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,780.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1104 FOUR AMBASSADOR, SAINT CLOUD, FL 34771

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13655 NW HENNINGER LN, PORTLAND, OR 97229-4135

Mortgage

Document Number	0062171447
Date	May 19, 2022
Instrument	6217/1447

Lender

Name	FIRST GUARANTY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2052

March 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 5, 2019
Property Address	5390 CARRARA CT, SAINT CLOUD, FL 34771-8046
Document Number	0054860713
Book / Page	005486 / 000713
Instrument Date	Feb 28, 2019
Instrument	27781
Transaction Type	Transfer
Record Updated	Mar 19, 2019
Title Company	CLEAR TITLE SERVICES INC, CLEAR TITLE SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,654.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5390 CARRARA CT ST CLOUD FL 347718046, ST CLOUD, FL 34771-8046

Mortgage

Document Number	54860715
Date	Mar 5, 2019
Book Page	005486/000715
Instrument	27782

Lender

Name	& RICHARD B C P S P TRU (PT)
Address	12555 BISCAYNE BLVD # 800, NORTH MIAMI, FL 33181-2522

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	24 Months
Due	Mar 4, 2021

Tax Assessment & Valuation

The 2025 property tax bill for 5390 Carrara Ct was $7,026.

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	$7,026.00	$455,700 Land $80,000 Building $375,700	$455,700 Land $80,000 Building $375,700
2023	$7,169.00 (+25.64%)	$468,900 (+18.11%) Land $80,000 Building $388,900	$468,900 (+18.11%) Land $80,000 Building $388,900
2022	$5,706.00	$397,000 Land $55,000 Building $342,000	$397,000 Land $55,000 Building $342,000

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

Flood

FEMA maps place 5390 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 5390 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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