1589 Sky Lakes Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1589 Sky Lakes Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,098 sqft · built 2023
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$430,000 (Jan 2024)
Tax Bill	$5,891 (2025)
Deeds & Mortgages	Jan 2024 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112630065300012450`

Property Details

APN / Parcel Number

Primary APN	`112630065300012450`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,098 sqft Heated Area
Gross Area	2,720 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,405 sqft (0.169 acres)
Garage Type	Finished
Porch	Open Porch
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1589 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 245
Legal Phase	2
Legal Lot Number	245
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

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

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
Co-owner	Co-owner on Record
Mailing Address	1589 SKY LAKES DR, SAINT CLOUD, FL 34769-5365
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 4, 2024 · Amount on Record
Deed Sale	Jan 4, 2024 · Amount on Record
Deed Document Number	2024001073
Deed Book / Page	6528 / 2225
Record Updated	Jun 8, 2026

January 2024: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 4, 2024
Property Address	1589 SKY LAKES DR, SAINT CLOUD, FL 34769-5365
Document Number	0065282225
Book / Page	6528 / 2225
Map Reference	MB 32 PG 98-104
Instrument Date	Dec 27, 2023
Instrument	2024001073
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	PROFESSIONAL TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,010.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1717 MCKINNEY AVE STE 1000, 1000, DALLAS, TX 75202-1248

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2103 WALDEN PARK CIR, KISSIMMEE, FL 34744-6303

Mortgage

Document Number	0065282227
Date	Jan 4, 2024
Instrument	6528/2227

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

Tax Assessment & Valuation

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	$5,891.00 (+627.28%) Homeowner's exemption	$372,000 (+726.67%) Land $75,000 Building $297,000	$372,000 (+726.67%) Land $75,000 Building $297,000
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.

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
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.

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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