1598 Sky Lakes Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1598 Sky Lakes Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 2,563 sqft · built 2023
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on File
Last Sale	$479,990 (Oct 2023)
Tax Bill	$6,515 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`112630065300012270`

Property Details

APN / Parcel Number

Primary APN	`112630065300012270`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,563 sqft Heated Area
Gross Area	3,132 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2023
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	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	1598 SKY LAKES DR
City	SAINT CLOUD
State	FL
Zip	34769-5366
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 227
Legal Phase	2
Legal Lot Number	227
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

1598 Sky Lakes Dr is owned and occupied by an individual who bought it in October 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1598 SKY LAKES DR, SAINT CLOUD, FL 34769-5366
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 5, 2023 · Amount on File
Deed Sale	Oct 5, 2023 · Amount on File
Deed Document Number	2023131424
Deed Book / Page	6485 / 1405
Record Updated	Jun 8, 2026

October 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 5, 2023
Property Address	1598 SKY LAKES DR, SAINT CLOUD, FL 34769-5366
Document Number	0064851405
Book / Page	6485 / 1405
Map Reference	MB 32 PG 98-104
Instrument Date	Sep 29, 2023
Instrument	2023131424
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	605 COMMONWEALTH AVE, ORLANDO, FL 32803-5223

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1598 SKY LAKES DR, SAINT CLOUD, FL 34769-5366

Mortgage

Document Number	0064851407
Date	Oct 5, 2023
Instrument	6485/1407

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 1598 Sky Lakes Dr was $6,515 with a homeowner's exemption.

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	$6,515.00 Homeowner's exemption	$406,900 Land $75,000 Building $331,900	$406,900 Land $75,000 Building $331,900
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 1598 Sky Lakes Dr in Zone X, an area of minimal flood risk, within 500 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 500 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 1598 Sky Lakes Dr is moderate, ranking above 57% of the US, with a 0.2% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% 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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