1628 Sky Lakes Dr, Saint Cloud, FL 34769 Property Records

Osceola County property record for 1628 Sky Lakes Dr, Saint Cloud, FL 34769

Property Summary

Property Type	Single Family Home
Details	5 bd · 3 ba · 3,182 sqft · built 2023
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$100 (Mar 2026)
Tax Bill	$5,732 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Nov 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`11-26-30-0653-0001-2300`

Property Details

APN / Parcel Number

Primary APN	`11-26-30-0653-0001-2300`
Alternative APN	`263011065300012300`

Interior

Bedrooms	5 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	3,182 sqft Living Area
Gross Area	3,866 sqft
1st Floor Area	1,309 sqft
Flooring	Tile

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Attached
Garage Area	522 sqft
Porch	Finished/Open Porch
Porch Area	100 sqft

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	1628 SKY LAKES DR
City	SAINT CLOUD
State	FL
Zip	34769-5368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SKY LAKES PH 2 & 3 PB 32 PGS 98-104 LOT 230
Legal Subdivision	SKY LAKES PHASE 2 3
Legal Lot Number	230
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 March 30, 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 Record
Mailing Address	1628 SKY LAKES DR, SAINT CLOUD, FL 34769-5368
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2026	Intrafamily Transfer, Transfer · FHA Mortgage JMAC LENDING INC
Nov 20, 2023	Special Warranty Deed, Transfer · FHA Mortgage NFM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2026 · Amount on Record
Deed Sale	Mar 18, 2026 · Amount on Record
Prior Sale	Nov 20, 2023 · Amount on Record
Deed Document Number	202636032
Deed Book / Page	6939 / 1435
Record Updated	Jun 8, 2026

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Mar 18, 2026
Property Address	1628 SKY LAKES DR, SAINT CLOUD, FL 34769-5368
Document Number	0069391435
Book / Page	6939 / 1435
Map Reference	MB 32 PG 98-104
Instrument Date	Mar 11, 2026
Instrument	2026036032
Transaction Type	Transfer
Record Updated	Mar 30, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	821 MONTANA AVE, SAINT CLOUD, FL 34769-3585

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1628 SKY LAKES DR, SAINT CLOUD, FL 34769-5368

Mortgage

Document Number	0069391437
Date	Mar 18, 2026
Instrument	6939/1437

Lender

Name	JMAC LENDING INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

November 2023: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 20, 2023
Property Address	1628 SKY LAKES DR, SAINT CLOUD, FL 34769-5368
Document Number	0065072197
Book / Page	6507 / 2197
Map Reference	MB 32 PG 98-104
Instrument Date	Nov 17, 2023
Instrument	2023152583
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,430.00
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
Relationship	Joint Tenants with Right of Survivorship
Address	1628 SKY LAKES DR, SAINT CLOUD, FL 34769-5368

Mortgage

Document Number	0065072199
Date	Nov 20, 2023
Instrument	6507/2199

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$5,732.00 (+3.39%)	$363,158 (+707.02%)	$454,700 (+910.44%) Land $75,000 Building $379,700
2024	$5,544.00 (+584.44%)
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 and assessed market value are set for property tax purposes and are not market price estimates.

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 500 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 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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