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5437 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5437 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,381 sqft · built 2020
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on Record
Last Sale$335,624 (May 2020)
Tax Bill$712 (2025)
Deeds & MortgagesMay 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN162531501500010400

Property Details

APN / Parcel Number

Primary APN162531501500010400

Interior

Bedrooms4 Beds
Full Baths3 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area2,381 sqft Heated Area
Gross Area3,041 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Exterior MaterialStucco
Construction TypeFrame
Foundation TypeFooting
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,841 sqft (0.18 acres)
Garage TypeFinished
PorchOpen Porch

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address5437 CARRARA CT
CitySAINT CLOUD
StateFL
Zip34771-8061
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 40
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVE
Legal Phase2
Legal Tract5015
Legal Lot Number40
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

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 RecordIndividual Name on Record
Co-ownerCo-owner on Record
Mailing Address5437 CARRARA CT, SAINT CLOUD, FL 34771-8061
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMay 26, 2020 · Amount on Record
Deed SaleMay 26, 2020 · Amount on Record
Deed Document Number2020067801
Deed Book / Page5726 / 2823
Record UpdatedJun 8, 2026

May 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 26, 2020
Property Address5437 CARRARA CT, SAINT CLOUD, FL 34771-8061
Document Number0057262823
Book / Page5726 / 2823
Map ReferenceMB 28 PG 14-19
Instrument DateMay 22, 2020
Instrument2020067801
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 8, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,349.90
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
Address5437 CARRARA CT, SAINT CLOUD, FL 34771-8061

Mortgage

Document Number0057262825
DateMay 26, 2020
Instrument5726/2825
Lender
NameBROKER SOLUTIONS INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJun 1, 2050

Tax Assessment & Valuation

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$712.00 (+14.65%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$319,895 (+5.99%)$399,400 (-2.75%) Land $80,000 Building $319,400
2023$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption$301,826 (+3%)$410,700 (+18.87%) Land $80,000 Building $330,700
2022$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption$293,035$345,500 Land $55,000 Building $290,500

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 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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