5405 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5405 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,132 sqft · built 2019
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$507,000 (Jun 2023)
Tax Bill	$5,479 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Apr 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`162531501500011920`

Property Details

APN / Parcel Number

Primary APN	`162531501500011920`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,132 sqft Heated Area
Gross Area	2,740 sqft
1st Floor Area	2,132 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	7,405 sqft (0.169 acres)
Garage Type	Finished
Garage Area	380 sqft
Porch	Open Porch
Porch Area	228 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5405 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 192
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	192
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 December 11, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5405 CARRARA CT, SAINT CLOUD, FL 34771-8048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 30, 2021	Warranty Deed, Subdivision Related Transfer M/I TITLE AGENCY LIMITED LC, MI TITLE AGENCY LTD LC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Apr 30, 2021 · Amount on Record
Deed Document Number	2023083734
Deed Book / Page	6432 / 1208
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 28, 2023
Property Address	5405 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0064321208
Book / Page	6432 / 1208
Map Reference	MB 28 PG 14
Instrument Date	Jun 27, 2023
Instrument	2023083734
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,549.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	171 HOFFMAN AVE, ELMONT, NY 11003-2916

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1066 WEAVER DR, OVIEDO, FL 32765-7030

Mortgage

Document Number	0064321211
Date	Jun 28, 2023
Instrument	6432/1211

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2021
Property Address	5405 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0059472838
Book / Page	5947 / 2838
Map Reference	MB 28 PG 14-19
Instrument Date	Apr 28, 2021
Instrument	2021066122
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	M/I TITLE AGENCY LIMITED LC, MI TITLE AGENCY LTD LC

Transaction

Amount	Amount Recorded
Tax	$3,059.70
Amount Accuracy	Rounded by County
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	5405 CARRARA CT, SAINT CLOUD, FL 34771-8048

Tax Assessment & Valuation

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	$5,479.00 (+13.81%) Homeowner's exemption	$384,900 (+13.07%) Land $88,000 Building $296,900	$384,900 (-2.66%) Land $88,000 Building $296,900
2023	$4,814.00 (+3.88%) Homeowner's exemption	$340,415 (+3%)	$395,400 (+19.64%) Land $88,000 Building $307,400
2022	$4,634.00 Homeowner's exemption	$330,500 Land $60,500 Building $270,000	$330,500 Land $60,500 Building $270,000

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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