5432 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5432 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,381 sqft · built 2019
Lot Size	0.139 acres (6,098 sqft)
Owner	Company Name on File
Last Sale	$310,572 (Dec 2019)
Tax Bill	$6,970 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`162531501500010130`

Property Details

APN / Parcel Number

Primary APN	`162531501500010130`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,381 sqft Heated Area
Gross Area	3,041 sqft
1st Floor Area	1,407 sqft
Upper Floors Area	974 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	6,098 sqft (0.139 acres)
Garage Type	Finished
Garage Area	452 sqft

Exterior Amenities

Pool Area	403 sqft
Porch	Open Porch
Porch Area	208 sqft
Deck Area	637 sqft
Patio Area	200 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5432 CARRARA CT
City	SAINT CLOUD
State	FL
Zip	34771-8060
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 13
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	13
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

5432 Carrara Ct is owned by a company that acquired it in September 2025 and is owner-occupied.

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

Owner of Record	Company Name on File
Co-owner	Co-owner on File
Mailing Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual

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

Date	Document
Oct 18, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 15, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Dec 30, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 30, 2019 · Amount on File
Deed Sale	Dec 30, 2019 · Amount on File
Prior Sale	Dec 30, 2019 · Amount on File
Deed Document Number	0056481762
Deed Book / Page	5648 / 1762
Last Transfer Date	Sep 15, 2025
Transfer Doc	0068490783
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0060670448
Date	Oct 18, 2021
Book Page	6067/448
Instrument	2021161767

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

September 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Sep 15, 2025
Property Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0068490783
Book / Page	6849 / 783
Map Reference	MB 28 PG 14-19
Instrument Date	Sep 6, 2025
Instrument	2025114099
Transaction Type	Transfer
Record Updated	Apr 23, 2026
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060

December 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2019
Property Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0056481762
Book / Page	5648 / 1762
Map Reference	MB 28 PG 14-19
Instrument Date	Dec 20, 2019
Instrument	2019168174
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,174.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5432 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0056481764
Date	Dec 30, 2019
Instrument	5648/1764

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5432 Carrara Ct was $6,970 with a homeowner's exemption, up 3.1% from the year before.

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	$6,970.00 (+3.12%) Homeowner's exemption	$339,845 (+2.9%)	$436,200 (-4.07%) Land $80,000 Building $356,200
2024	$6,759.00 (+1.43%) Homeowner's exemption	$330,268 (+3%)	$454,700 (+2.09%) Land $80,000 Building $374,700
2023	$6,664.00 (+2.65%) Homeowner's exemption	$320,649 (+3%)	$445,400 (+16.81%) Land $80,000 Building $365,400
2022	$6,492.00 Homeowner's exemption	$311,310	$381,300 Land $55,000 Building $326,300

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

Flood

FEMA maps place 5432 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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 5432 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 Risk	High above 70% of the US · above 52% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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