5440 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5440 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 3,021 sqft · built 2020
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$372,650 (Aug 2020)
Tax Bill	$5,195 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`162531501500010170`

Property Details

APN / Parcel Number

Primary APN	`162531501500010170`

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	3,690 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	5440 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 17
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	2
Legal Tract	5015
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

5440 Carrara Ct is owned and occupied by two individuals who bought it in August 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	5440 CARRARA CT, SAINT CLOUD, FL 34771-8060
Occupancy	Owner Occupied
Owner Type	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
Jul 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION
Aug 4, 2020	Grant Deed, Subdivision Related Transfer · Conventional with PMI BROKER SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 4, 2020 · Amount on File
Deed Sale	Aug 4, 2020 · Amount on File
Deed Document Number	2020101796
Deed Book / Page	5767 / 2495
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5440 CARRARA CT, SAINT CLOUD, FL 34771-8060
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5440 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0060040957
Date	Jul 16, 2021
Book Page	6004/957
Instrument	2021111119

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	PARSIPPANY, NJ 07054

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

August 2020: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 4, 2020
Property Address	5440 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0057672495
Book / Page	005767 / 002495
Instrument Date	Jul 31, 2020
Instrument	101796
Transaction Type	Subdivision Related Transfer
Record Updated	Sep 3, 2020
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,609.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5440 CARRARA CT ST CLOUD FL 347718060, ST CLOUD, FL 34771-8060

Mortgage

Document Number	57672497
Date	Aug 4, 2020
Book Page	005767/002497
Instrument	101797

Lender

Name	BROKER SOLUTIONS
Address	TUSTIN, CA 92780

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 3, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5440 Carrara Ct was $5,195 with a homeowner's exemption.

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	$5,195.00 Homeowner's exemption	$364,422	$454,100 Land $80,000 Building $374,100
2023	$4,862.00 (+3.89%) Homeowner's exemption	$343,837 (+3%)	$467,200 (+18.16%) Land $80,000 Building $387,200
2022	$4,680.00 Homeowner's exemption	$333,823	$395,400 Land $55,000 Building $340,400

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

Flood

FEMA maps place 5440 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 5440 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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