1438 Sky Lakes Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1438 Sky Lakes Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,166 sqft · built 2024
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$499,990 (Dec 2024)
Tax Bill	$7,856 (2025)
Deeds & Mortgages	Dec 2024 Sale & Mortgage Dec 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`112630065300013340`

Property Details

APN / Parcel Number

Primary APN	`112630065300013340`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,166 sqft Heated Area
Gross Area	3,756 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2024
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	90 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1438 SKY LAKES DR
City	SAINT CLOUD
State	FL
Zip	34769-5364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 334
Legal Phase	2
Legal Lot Number	334
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

1438 Sky Lakes Dr is owned and occupied by an individual who bought it in December 2024.

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

Owner of Record	Individual Name on File
Mailing Address	1438 SKY LAKES DR, SAINT CLOUD, FL 34769-5364
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
Dec 30, 2024	Special Warranty Deed, Transfer · FHA Mortgage NFM INC
Dec 17, 2024	Special Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 30, 2024 · Amount on File
Deed Sale	Dec 30, 2024 · Amount on File
Prior Sale	Dec 17, 2024 · Amount on File
Deed Document Number	2024162831
Deed Book / Page	6716 / 2558
Record Updated	Jun 8, 2026

December 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2024
Property Address	1438 SKY LAKES DR, SAINT CLOUD, FL 34769-5364
Document Number	0067162558
Book / Page	6716 / 2558
Map Reference	MB 32 PG 98-104
Instrument Date	Dec 18, 2024
Instrument	2024162831
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,500.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE, ORLANDO, FL 32814-6164

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1438 SKY LAKES DR, SAINT CLOUD, FL 34769-5364

Mortgage

Document Number	2024162832
Date	Dec 30, 2024
Instrument	2024162832

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

December 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 17, 2024
Property Address	1438 SKY LAKES DR, SAINT CLOUD, FL 34769-5364
Document Number	0067120725
Book / Page	6712 / 725
Map Reference	MB 32 PG 98-104
Instrument Date	Dec 12, 2024
Instrument	2024158979
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$546.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	801 SAN RAMON VALLEY BOULEVARD, DANVILLE, CA 94526-4061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 1438 Sky Lakes Dr was $7,856.

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,856.00	$438,700 Land $75,000 Building $363,700	$438,700 Land $75,000 Building $363,700
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.

Flood

FEMA maps place 1438 Sky Lakes Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 File 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.

Wildfire

Wildfire risk around 1438 Sky Lakes Dr is moderate, ranking above 64% of the US, with a 0.3% annual chance of wildfire.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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