Osceola County property record for 1409 Sky Lakes Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,495 sqft · built 2024 |
| Lot Size | 0.189 acres (8,276 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $449,990 (Feb 2025) |
| Tax Bill | $7,217 (2025) |
| Deeds & Mortgages | Feb 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 112630065300013320 |
| Primary APN | 112630065300013320 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,495 sqft Heated Area |
| Gross Area | 3,101 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,276 sqft (0.189 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 130 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1409 SKY LAKES DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34769-5365 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 332 |
| Legal Phase | 2 |
| Legal Lot Number | 332 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
Source: Osceola County records, as of December 16, 2025
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 1409 SKY LAKES DR, SAINT CLOUD, FL 34769-5365 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 12, 2025 · Amount on Record |
| Deed Sale | Feb 12, 2025 · Amount on Record |
| Deed Document Number | 2025018323 |
| Deed Book / Page | 6739 / 506 |
| Record Updated | Jun 8, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 12, 2025 |
| Property Address | 1409 SKY LAKES DR, SAINT CLOUD, FL 34769-5365 |
| Document Number | 0067390506 |
| Book / Page | 6739 / 506 |
| Map Reference | MB 32 PG 98-104 |
| Instrument Date | Jan 31, 2025 |
| Instrument | 2025018323 |
| Transaction Type | Transfer |
| Record Updated | Dec 17, 2025 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,150.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165 |
| Name | Verified Name |
|---|---|
| Address | 1409 SKY LAKES DR, SAINT CLOUD, FL 34769-5365 |
| Document Number | 0006739508 |
|---|---|
| Date | Feb 12, 2025 |
| Instrument | 6739/508 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Type | Balloon Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2055 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,217.00 (+790.99%) | $403,000 (+795.56%) Land $75,000 Building $328,000 | $403,000 (+795.56%) Land $75,000 Building $328,000 |
| 2023 | $810.00 (+28.57%) | $45,000 (+28.57%) Land $45,000 | $45,000 (+28.57%) Land $45,000 |
| 2022 | $630.00 | $35,000 Land $35,000 | $35,000 Land $35,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 38 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 38 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 64% of the US · lower than 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 114 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: AT&T, CenturyLink.
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