5407 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5407 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,021 sqft · built 2021
Lot Size	0.169 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$380,216 (Jan 2021)
Tax Bill	$7,145 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Jan 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501500011930`

Property Details

APN / Parcel Number

Primary APN	`162531501500011930`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,021 sqft Heated Area
Gross Area	3,520 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2021
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Porch	Open Porch
Fence	Fence

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5407 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 193
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	193
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	5407 CARRARA CT, SAINT CLOUD, FL 34771-8048
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2024	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Jan 28, 2021	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2021 · Amount on Record
Deed Sale	Jan 28, 2021 · Amount on Record
Deed Document Number	2021012588
Deed Book / Page	5879 / 928
Record Updated	Jun 8, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5407 CARRARA CT, SAINT CLOUD, FL 34771-8048
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5407 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number	0067022124
Date	Nov 27, 2024
Book Page	6702/2124
Instrument	2024150779

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Oct 21, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 28, 2021
Property Address	5407 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number	0058790928
Book / Page	5879 / 928
Map Reference	MB 28 PG 14-19
Instrument Date	Jan 27, 2021
Instrument	2021012588
Transaction Type	Subdivision Related Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,662.10
Amount Accuracy	Full Amount Stated
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	5407 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number	0005879930
Date	Jan 28, 2021
Instrument	5879/930

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

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	$7,145.00 (+2.03%)	$464,300 (-2.72%) Land $88,000 Building $376,300	$464,300 (-2.72%) Land $88,000 Building $376,300
2023	$7,003.00 (+12.7%)	$477,300 (+18.32%) Land $88,000 Building $389,300	$477,300 (+18.32%) Land $88,000 Building $389,300
2022	$6,214.00	$403,400 Land $60,500 Building $342,900	$403,400 Land $60,500 Building $342,900

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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