5446 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5446 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,151 sqft · built 2019
Lot Size	0.14 acres (6,098 sqft)
Owner	2 Individual Names on Record
Last Sale	$360,543 (Dec 2019)
Tax Bill	$712 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Sep 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-0200`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-0200`
Alternative APN	`253116501500010200`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,151 sqft Living Area
Gross Area	3,820 sqft
1st Floor Area	2,045 sqft
Upper Floors Area	1,106 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,098 sqft (0.14 acres)
Garage Type	Attached
Garage Area	483 sqft
Porch	Finished/Open Porch
Porch Area	186 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	5446 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 20
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	20
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records, as of May 21, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2022	Deed of Trust, Mortgage · VA Mortgage SUMMIT MORTGAGE CORP
Sep 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Dec 6, 2019	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Deed Document Number	2019158094
Deed Book / Page	5635 / 2011
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0061291401
Date	Jan 14, 2022
Book Page	6129/1401
Instrument	2022007730

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55441

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0057882560
Date	Sep 8, 2020
Book Page	5788/2560
Instrument	2020118846

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

December 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 6, 2019
Property Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0056352011
Book / Page	5635 / 2011
Map Reference	MB 28 PG 14-19
Instrument Date	Nov 27, 2019
Instrument	2019158094
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,524.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	69002 TAVISTOCK LAKES BOULEVARD #200200, 69002, ORLANDO, FL 32827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5446 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0056352013
Date	Dec 6, 2019
Instrument	5635/2013

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$712.00 (+12.84%) Homeowner's exemption Veteran's exemption	$351,052 (+5.99%)	$465,600 (-2.84%) Land $80,000 Building $385,600
2024	$631.00 (+1.61%)
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$331,223 (+3%)	$479,200 (+18.06%) Land $80,000 Building $399,200
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$321,576	$405,900 Land $55,000 Building $350,900

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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

Wildfire Risk	High above 75% of the US · above 60% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, Xfinity.

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