1609 Sky Lakes Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1609 Sky Lakes Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,092 sqft · built 2023
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$439,990 (Nov 2023)
Tax Bill	$5,479 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0653-0001-2430`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0653-0001-2430`
Alternative APN	`263011065300012430`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,092 sqft Living Area
Gross Area	2,660 sqft
1st Floor Area	2,092 sqft
Flooring	Carpet

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
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	428 sqft
Porch	Finished/Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1609 SKY LAKES DR
City	SAINT CLOUD
State	FL
Zip	34769-5367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 243
Legal Subdivision	SKY LAKES PHASE 2 3
Legal Lot Number	243
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	43303

Owner

Source: Osceola County records · APN 11-26-30-0653-0001-2430

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1609 SKY LAKES DR, SAINT CLOUD, FL 34769-5367
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 16, 2023 · Amount on Record
Deed Sale	Nov 16, 2023 · Amount on Record
Deed Document Number	2023151255
Deed Book / Page	6506 / 953
Record Updated	Jun 08, 2026

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 16, 2023
Property Address	1609 SKY LAKES DR, SAINT CLOUD, FL 34769-5367
Document Number	0065060953
Book / Page	6506 / 953
Map Reference	MB 32 PG 98-104
Instrument Date	Nov 15, 2023
Instrument	2023151255
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$3,080.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2420 LAKEMONT AVE STE 450, 450, ORLANDO, FL 32814-6165

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 SKY LAKES DR, SAINT CLOUD, FL 34769-5367

Mortgage

Document Number	0065060955
Date	Nov 16, 2023
Book Page	6506/955
Instrument	2023151256

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2053

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,479.00 (+3.4%)	$349,034 (+675.63%)	$368,100 (+718%) Land $75,000 Building $293,100
2024	$5,299.00 (+554.2%)
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

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Moderate above 57% of the US · lower than 70% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 114 locations within half a mile · Last verified October 2026

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, Lumen Technologies.

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.