5403 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5403 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,112 sqft · built 2021
Lot Size	0.13 acres (5,662 sqft)
Owner	2 Individual Names on Record
Last Sale	$510,000 (Nov 2023)
Tax Bill	$5,537 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-1910`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-1910`
Alternative APN	`253116501500011910`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,112 sqft Living Area
Gross Area	2,561 sqft
1st Floor Area	2,112 sqft
Flooring	Tile

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Concrete Block/Stucco
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	5,662 sqft (0.13 acres)
Garage Type	Attached
Garage Area	400 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5403 CARRARA CT
City	SAINT CLOUD
State	FL
Zip	34771-8048
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 191
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	191
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records, as of October 9, 2026

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 Record
Mailing Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CREDIT UNION
Nov 17, 2023	Warranty Deed, Transfer · Conventional Mortgage SIRVA MORTGAGE INC
Oct 4, 2021	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage M/I FINANCIAL LLC
Feb 22, 2021	Special Warranty Deed, Construction Loan ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 17, 2023 · Amount on Record
Deed Sale	Nov 17, 2023 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	2023152063
Deed Book / Page	6507 / 409
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Sep 28, 2026
Property Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0000124481
Book / Page	7040 / 1102
Instrument Date	Sep 14, 2026
Instrument	2026124481
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number	0000124481,
Date	Sep 28, 2026
Book Page	7040/1102
Instrument	2026124481

Lender

Name	SPACE COAST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 25, 2046

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 17, 2023
Property Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0065070409
Book / Page	6507 / 409
Map Reference	MB 28 PG 14
Instrument Date	Nov 17, 2023
Instrument	2023152063
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	RED DOOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 RIOMAR AVE, ORLANDO, FL 32828-8454

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number	0006507414
Date	Nov 17, 2023
Instrument	6507/414

Lender

Name	SIRVA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

October 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 4, 2021
Property Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0060572328
Book / Page	6057 / 2328
Map Reference	MB 28 PG 14-19
Instrument Date	Sep 30, 2021
Instrument	2021153757
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, M I TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,760.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number	0060572330
Date	Oct 4, 2021
Instrument	6057/2330

Lender

Name	M/I FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

February 2021: Special Warranty Deed, Construction Loan

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 22, 2021
Property Address	5403 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0058952660
Book / Page	5895 / 2660
Map Reference	MB 28 PG 14-19
Instrument Date	Feb 12, 2021
Instrument	2021025214
Transaction Type	Construction Loan
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$502.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6900 TAVISTOCK LAKES BOULEVARD STE 200, 200, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 INTERNATIONAL PKWY STE 470, 470, LAKE MARY, FL 32746-5054
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,537.00 (+13.56%)	$389,100 (+12.83%) Land $88,000 Building $301,100	$389,100 (-2.58%) Land $88,000 Building $301,100
2023	$4,876.00 (+3.88%) Homeowner's exemption	$344,844 (+3%)	$399,400 (+19.3%) Land $88,000 Building $311,400
2022	$4,694.00 Homeowner's exemption	$334,800 Land $60,500 Building $274,300	$334,800 Land $60,500 Building $274,300

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

Flood

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 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	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

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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