1. Home
  2. Florida
  3. Osceola County
  4. Saint Cloud
  5. Carrara Ct

5409 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5409 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,833 sqft · built 2020
Lot Size0.13 acres (5,662 sqft)
Owner2 Individual Names on Record
Last Sale$430,732 (Jul 2020)
Tax Bill$6,056 (2025)
Deeds & MortgagesAug 2026 Line of Credit
Dec 2025 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN16-25-31-5015-0001-1940

Property Details

APN / Parcel Number

Primary APN16-25-31-5015-0001-1940
Alternative APN
  • 253116501500011940

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,833 sqft Living Area
Gross Area4,502 sqft
1st Floor Area2,045 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area5,662 sqft (0.13 acres)
Garage TypeAttached
Garage Area483 sqft
PorchFlorida Room
Patio Area270 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address5409 CARRARA CT
CitySAINT CLOUD
StateFL
Zip34771-8048
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 194
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVES PH 2
Legal Phase2
Legal Lot Number194
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records, as of August 14, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 3, 2026Deed of Trust, Mortgage · Line of Credit
LENDAGE LLC
Dec 23, 2025Deed of Trust, Mortgage · Line of Credit
LENDAGE LLC
Dec 15, 2021Deed of Trust, Mortgage · VA Mortgage
FREEDOM MORTGAGE CORP
Jul 17, 2020Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
FBC MORTGAGE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 17, 2020 · Amount on Record
Deed SaleJul 17, 2020 · Amount on Record
Deed Document Number202093517
Deed Book / Page5756 / 1969
Record UpdatedSep 20, 2026

August 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateAug 3, 2026
Property Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number0000100818
Book / Page7013 / 2157
Instrument DateJul 27, 2026
Instrument2026100818
Transaction TypeMortgage
Record UpdatedAug 14, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number0000100818,
DateAug 3, 2026
Book Page7013/2157
Instrument2026100818
Lender
NameLENDAGE LLC
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueAug 1, 2036
Interest
Rate6.49%
Max Rate-1%

December 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048
Transaction TypeMortgage
Record UpdatedJan 9, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number0068980520
DateDec 23, 2025
Book Page6898/520
Instrument2025156705
Lender
NameLENDAGE LLC
TypeMortgage Company
AddressTEMPE, AZ 85288
Agreement
TypeLine of Credit
AmountAmount Recorded
Term121 Months
DueJan 1, 2036
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

December 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048
Transaction TypeMortgage
Record UpdatedDec 12, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number0061081018
DateDec 15, 2021
Book Page6108/1018
Instrument2021193246
Lender
NameFREEDOM MORTGAGE CORP
TypeSubprime Lender
AddressBOCA RATON, FL 33431
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 17, 2020
Property Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number0057561969
Book / Page5756 / 1969
Map ReferenceMB 28 PG 14-19
Instrument DateJul 15, 2020
Instrument2020093517
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 8, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$3,015.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address6900 TAVISTOCK LAKES BLVD STE 200, 6900, ORLANDO, FL 32827-7591

Transferred To (Grantee/Buyer)

NameVerified Name
Address5409 CARRARA CT, SAINT CLOUD, FL 34771-8048

Mortgage

Document Number0057561971
DateJul 17, 2020
Instrument5756/1971
Lender
NameFBC MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,056.00 (+6.6%) Homeowner's exemption$426,577 (+5.99%)$531,100 (-2.87%) Land $88,000 Building $443,100
2023$5,681.00 (+4.68%) Homeowner's exemption$402,481 (+3.93%)$546,800 (+18.77%) Land $88,000 Building $458,800
2022$5,427.00 Homeowner's exemption$387,264$460,400 Land $60,500 Building $399,900

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 330 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies330 in force
Nearby Flood Claims18 (2004–2022)
Claims Outside the SFHA1 of 18
Most Recent ClaimOct 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 RiskModerate
above 67% of the US · above 46% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
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 SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

ProviderMax 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.

Nearby Properties on Carrara Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures