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5425 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5425 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 4 ba · 3,151 sqft · built 2019
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on File
Last Sale$357,481 (Dec 2019)
Tax Bill$5,437 (2025)
Deeds & MortgagesDec 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN162531501500012020

Property Details

APN / Parcel Number

Primary APN162531501500012020

Interior

Bedrooms4 Beds
Full Baths4 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,151 sqft Heated Area
Gross Area3,820 sqft
1st Floor Area2,045 sqft
Upper Floors Area1,106 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2019
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeFinished
Garage Area483 sqft

Exterior Amenities

Pool Area403 sqft
PorchOpen Porch
Porch Area186 sqft
Deck Area697 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC

Location & Zoning

Street Address5425 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 202
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVE
Legal Phase2
Legal Tract5015
Legal Lot Number202
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

Owner

5425 Carrara Ct is owned and occupied by an individual who bought it in December 2019.

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

Owner of RecordIndividual Name on File
Mailing Address5425 CARRARA CT, SAINT CLOUD, FL 34771-8048
OccupancyOwner Occupied
Owner TypeIndividual

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

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 19, 2019 · Amount on File
Deed SaleDec 19, 2019 · Amount on File
Deed Document Number2019164650
Deed Book / Page5643 / 2198
Record UpdatedJun 8, 2026

December 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateDec 19, 2019
Property Address5425 CARRARA CT, SAINT CLOUD, FL 34771-8048
Document Number0056432198
Book / Page005643 / 002198
Instrument DateDec 13, 2019
Instrument164650
Transaction TypeSubdivision Related Transfer
Record UpdatedJan 13, 2020
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,502.37
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5425 CARRARA CT ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number56432200
DateDec 19, 2019
Book Page005643/002200
Instrument164651
Lender
NameSPROUT MTG
AddressIRVING, TX 75038
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueDec 18, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 5425 Carrara Ct was $5,437 with a homeowner's exemption.

Source: Osceola County assessment roll, as of July 1, 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$5,437.00 Homeowner's exemption$381,867$499,300 Land $80,000 Building $419,300
2023$5,092.00 (+12.08%) Homeowner's exemption$360,297 (+11.21%)$509,500 (+24.54%) Land $80,000 Building $429,500
2022$4,543.00 Homeowner's exemption$323,978$409,100 Land $55,000 Building $354,100

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

Flood

FEMA maps place 5425 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
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

Wildfire risk around 5425 Carrara Ct is high, ranking above 70% of the US, with a 0.4% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 70% of the US · above 52% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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