5456 Carrara Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5456 Carrara Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,854 sqft · built 2020
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$314,889 (Nov 2020)
Tax Bill	$3,003 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Mar 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`16-25-31-5015-0001-0250`

Property Details

APN / Parcel Number

Primary APN	`16-25-31-5015-0001-0250`
Alternative APN	`253116501500010250`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	1,854 sqft Living Area
Gross Area	2,484 sqft
1st Floor Area	1,854 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Attached
Garage Area	468 sqft
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5456 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 25
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVES PH 2
Legal Phase	2
Legal Lot Number	25
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 July 2, 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	5456 CARRARA CT, SAINT CLOUD, FL 34771-8060
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2026	Deed of Trust, Mortgage · Line of Credit NEW AMERICAN FUNDING
Mar 3, 2021	Special Warranty Deed, Subdivision Related Transfer FIRST AMERICAN TITLE
Nov 19, 2020	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020 · Amount on Record
Deed Sale	Nov 19, 2020 · Amount on Record
Deed Document Number	2020158819
Deed Book / Page	5836 / 1634
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2026
Property Address	5456 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0000104513
Book / Page	7018 / 363
Instrument Date	Jul 24, 2026
Instrument	2026104513
Transaction Type	Mortgage
Record Updated	Aug 25, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5456 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0000104513,
Date	Aug 11, 2026
Book Page	7018/363
Instrument	2026104513

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 19, 2056

Interest

Max Rate	-1%

March 2021: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 3, 2021
Property Address	5456 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0059031861
Book / Page	5903 / 1861
Map Reference	MB 28 PG 14-19
Instrument Date	Feb 26, 2021
Instrument	2021031580
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$2,171.40
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	5461 CARRARA CT, SAINT CLOUD, FL 34771-8063

November 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 19, 2020
Property Address	5456 CARRARA CT, SAINT CLOUD, FL 34771-8060
Document Number	0058361634
Book / Page	5836 / 1634
Map Reference	MB 28 PG 14-19
Instrument Date	Nov 18, 2020
Instrument	2020158819
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,204.30
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
Relationship	Joint Tenants with Right of Survivorship
Address	5456 CARRARA CT, SAINT CLOUD, FL 34771-8060

Mortgage

Document Number	0058361636
Date	Nov 19, 2020
Instrument	5836/1636

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$3,003.00 (+8.14%) Homeowner's exemption	$206,170 (+5.99%)	$357,400 (-2.67%) Land $80,000 Building $277,400
2023	$2,777.00 (+4.63%) Homeowner's exemption	$194,525 (+3%)	$367,200 (+19.41%) Land $80,000 Building $287,200
2022	$2,654.00 Homeowner's exemption	$188,860	$307,500 Land $55,000 Building $252,500

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 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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