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5454 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5454 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 3,021 sqft · built 2020
Lot Size0.19 acres (8,276 sqft)
Owner2 Individual Names on File
Last Sale$377,267 (Jul 2020)
Tax Bill$7,004 (2025)
Deeds & MortgagesDec 2020 Transfer
Jul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN16-25-31-5015-0001-0240

Property Details

APN / Parcel Number

Primary APN16-25-31-5015-0001-0240
Alternative APN
  • 253116501500010240

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area3,021 sqft Living Area
Gross Area3,690 sqft
1st Floor Area2,045 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2020
Effective Year BuiltEffective 2020
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,276 sqft (0.19 acres)
Garage TypeAttached
Garage Area483 sqft
PorchFinished/Open Porch

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemCentral

Location & Zoning

Street Address5454 CARRARA CT
CitySAINT CLOUD
StateFL
Zip34771-8060
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSUNSET GROVES PH 2 PB 28 PGS 14-19 LOT 24
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVES PH 2
Legal Phase2
Legal Lot Number24
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1018
Census Tract43700

Owner

5454 Carrara Ct is owned and occupied by two individuals who acquired it in December 2020.

Source: Osceola County records, as of November 26, 2025

Owner of Record2 Individual Names on File
Mailing Address5454 CARRARA CT, SAINT CLOUD, FL 34771-8060
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants in Common

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

DateDocument
Dec 17, 2020Quit Claim Deed, Transfer
NOT AVAILABLE
Jul 2, 2020Special Warranty Deed, Subdivision Related Transfer · VA Mortgage
SECURITY NATIONAL MORTGAGE CO

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJul 2, 2020 · Amount on File
Deed SaleJul 2, 2020 · Amount on File
Deed Document Number202085535
Deed Book / Page5748 / 48
Last Transfer DateDec 15, 2020
Transfer Doc0058530889
Record UpdatedJun 8, 2026

December 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 17, 2020
Property Address5454 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number0058530889
Book / Page005853 / 000889
Instrument DateDec 15, 2020
Instrument171593
Transaction TypeTransfer
Record UpdatedJan 8, 2021
Title CompanyNOT AVAILABLE

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5454 CARRARA CT ST CLOUD FL 347718060, ST CLOUD, FL 34771-8060

July 2020: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 2, 2020
Property Address5454 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number0057480048
Book / Page5748 / 48
Map ReferenceMB 28 PG 14-19
Instrument DateJun 30, 2020
Instrument2020085535
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 8, 2022
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,641.10
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
Address5454 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number0000574850
DateJul 2, 2020
Instrument5748/50
Lender
NameSECURITY NATIONAL MORTGAGE CO
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueJul 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 5454 Carrara Ct was $7,004, up 2.8% from the year before.

Source: Osceola County assessment roll, as of November 26, 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$7,004.00 (+2.77%)$454,100 Land $80,000 Building $374,100$454,100 Land $80,000 Building $374,100
2024$6,815.00 (+4.67%)
2023$6,511.00 (+12.78%)$467,200 (+18.16%) Land $80,000 Building $387,200$467,200 (+18.16%) Land $80,000 Building $387,200
2022$5,773.00$395,400 Land $55,000 Building $340,400$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 5454 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 5454 Carrara Ct is high, ranking above 75% 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 75% of the US · above 60% of Florida
Wildfire Likelihood0.4% annual chance
ExposureDirect
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 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 38 locations within half a mile, as of December 31, 2025

ProviderMax 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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