Osceola County property record for 1639 Sky Lakes Dr, Saint Cloud, FL 34769
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,092 sqft · built 2023 |
| Lot Size | 0.169 acres (7,405 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Nov 2023) |
| Tax Bill | $5,821 (2025) |
| Deeds & Mortgages | Dec 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 112630065300012400 |
| Primary APN | 112630065300012400 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,092 sqft Heated Area |
| Gross Area | 2,660 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| 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 | 140 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 1639 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 240 |
| Legal Phase | 2 |
| Legal Lot Number | 240 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2019 |
| Census Tract | 43303 |
1639 Sky Lakes Dr is owned and occupied by two individuals who bought it in November 2023.
Source: Osceola County records, as of December 11, 2025
| Owner of Record | 2 Individual Names on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 1639 SKY LAKES DR, SAINT CLOUD, FL 34769-5367 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 30, 2023 · Amount on File |
| Deed Sale | Nov 30, 2023 · Amount on File |
| Deed Document Number | 0065132446 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 1639 SKY LAKES DR, SAINT CLOUD, FL 34769-5367 |
| Transaction Type | Mortgage |
| Record Updated | Jan 22, 2024 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 5660 SYCAMORE CANYON DR, KISSIMMEE, FL 34758-1723 |
| Document Number | 0065132448 |
|---|---|
| Date | Dec 4, 2023 |
| Book Page | 6513/2448 |
| Instrument | 2023157969 |
| Name | NFM INC |
|---|---|
| Type | Mortgage Company |
| Address | LINTHICUM HEIGHTS, MD 21090 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 1, 2053 |
The 2025 property tax bill for 1639 Sky Lakes Dr was $5,821 with a homeowner's exemption.
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,821.00 Homeowner's exemption | $368,100 Land $75,000 Building $293,100 | $368,100 Land $75,000 Building $293,100 |
| 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.
FEMA maps place 1639 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 risk around 1639 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.
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 |
| 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.
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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