2227 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2227 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,373 sqft · built 2007
Lot Size	0.041 acres (1,786 sqft)
Owner	Individual Name on File
Last Sale	$249,900 (Mar 2026)
Tax Bill	$3,478 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Mar 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`139563`

Property Details

APN / Parcel Number

Primary APN	`139563`
Alternative APN	`272630005900011590`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,373 sqft Heated Area
Gross Area	1,708 sqft
1st Floor Area	617 sqft
Upper Floors Area	756 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,786 sqft (0.041 acres)
Lot Dimensions	81 ft deep x 22 ft wide
Garage Type	Finished
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Screened Porch
Porch Area	83 sqft
Patio Area	71 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139563
Street Address	2227 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7819
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	SR3
Legal Description	OAK RIDGE PB 18 PG 127-131 LOT 159
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	159
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1008
Census Tract	43207

Owner

2227 Seven Oaks Dr, a townhouse, is owned and occupied by an individual who bought it in March 2026.

Source: Osceola County records, as of March 17, 2026

Owner of Record	Individual Name on File
Mailing Address	2227 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
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

Date	Document
Dec 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage SPRING EQ LLC
Mar 4, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Mar 22, 2018	Deed of Trust, Mortgage · Conventional Mortgage MR COOPER

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2026 · Amount on File
Deed Sale	Mar 4, 2026 · Amount on File
Prior Sale	Dec 31, 2007 · Amount on File
Deed Document Number	2026028801
Deed Book / Page	6931 / 2641
Record Updated	Jun 8, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2227 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Transaction Type	Mortgage
Record Updated	Mar 18, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

Mortgage

Document Number	0061050225
Date	Dec 10, 2021
Book Page	6105/225
Instrument	2021190633

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	PHILADELPHIA, PA 19104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 4, 2026
Property Address	2227 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0069312641
Book / Page	6931 / 2641
Map Reference	MB 18 PG 127-131
Instrument Date	Feb 27, 2026
Instrument	2026028801
Transaction Type	Transfer
Record Updated	Mar 18, 2026
Title Company	CLOSING AGENT LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,749.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	39 SWEET WILLIAM WAY, LANGHORNE, PA 19047-3408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2227 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

Mortgage

Document Number	0069312643
Date	Mar 4, 2026
Book Page	6931/2643
Instrument	2026028802

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2056

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2227 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0053071389
Instrument Date	Mar 22, 2018
Transaction Type	Mortgage
Record Updated	Apr 17, 2018
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	39 SWEET WILLIAM WAY LANGHORNE PA 190473408, LANGHORNE, PA 19047-3408

Mortgage

Document Number	0053071389
Date	Mar 27, 2018
Book Page	005307/001389
Instrument	48741

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 26, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2227 Seven Oaks Dr was $3,478.

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	$3,478.00	$221,600 Land $40,000 Building $181,600	$221,600 Land $40,000 Building $181,600
2023	$2,903.00 (+16.68%)	$183,900 (+31.92%) Land $14,900 Building $169,000	$183,900 (+31.92%) Land $14,900 Building $169,000
2022	$2,488.00	$139,400 Land $14,900 Building $124,500	$139,400 Land $14,900 Building $124,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2227 Seven Oaks Dr in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 34 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	34 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 2227 Seven Oaks Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: AT&T, Xfinity.

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