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2231 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2231 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,588 sqft · built 2007
Lot Size0.041 acres (1,785 sqft)
OwnerIndividual Name on Record
Last Sale$204,000 (Jul 2020)
Tax Bill$1,937 (2025)
Deeds & MortgagesOct 2022 Transfer
Jul 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN27-26-30-0059-0001-1610

Property Details

APN / Parcel Number

Primary APN27-26-30-0059-0001-1610
Alternative APNs
  • 263027005900011610
  • 139565

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,588 sqft Living Area
Gross Area1,932 sqft
1st Floor Area632 sqft
Upper Floors Area956 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2007
Effective Year BuiltEffective 2007
Architectural StyleConventional
Exterior MaterialConcrete Block
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area1,785 sqft (0.041 acres)
Lot Dimensions81 ft deep x 22 ft wide
Garage TypeAttached
Garage Area252 sqft
Parking Spaces1 Parking Space
PorchFlorida Room
Porch Area92 sqft
Patio Area91 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2231 SEVEN OAKS DR
CitySAINT CLOUD
StateFL
Zip34772-7819
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionOAK RIDGE PB 18 PG 127-131 LOT 161
Legal Range30E
Legal Township26S
Legal Section27
Legal SubdivisionOAK RIDGE
Legal Tract59
Legal Block1610
Legal Lot Number161
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1008
Census Tract43207

Owner

Source: Osceola County records, as of November 26, 2025

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

Owner of RecordIndividual Name on Record
Mailing Address2231 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Woman

Deeds, Mortgages & Sale History

DateDocument
Oct 14, 2022Quit Claim Deed, Transfer
Quitclaim
Jul 6, 2020Warranty Deed, Transfer · FHA Mortgage
CALIBER HM LOANS

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 6, 2020 · Amount on Record
Deed SaleJul 6, 2020 · Amount on Record
Prior SaleOct 7, 2015 · Amount on Record
Deed Document Number202086636
Deed Book / Page5749 / 1854
Prior Transfer DateAug 31, 2009
Prior Transfer Doc0039290252
Record UpdatedSep 20, 2026

October 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateOct 14, 2022
Property Address2231 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number0062992182
Book / Page6299 / 2182
Map ReferenceMB 18 PG 127-131
Instrument DateOct 13, 2022
Instrument2022152787
Transaction TypeTransfer
Record UpdatedDec 12, 2025

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2231 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

July 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 6, 2020
Property Address2231 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number0057491854
Book / Page005749 / 001854
Instrument DateJun 26, 2020
Instrument86636
Transaction TypeTransfer
Record UpdatedAug 25, 2020
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,428.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address2231 SEVEN OAKS DR ST CLOUD FL 347727819, ST CLOUD, FL 34772-7819

Mortgage

Document Number57491856
DateJul 6, 2020
Book Page005749/001856
Instrument86637
Lender
NameCALIBER HM LOANS
TypeFunding / Finance Company
AddressCOPPELL, TX 75019
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 5, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,937.00 (+3.8%) Homeowner's exemption$151,119 (+5.99%)$238,000 (+19.54%) Land $40,000 Building $198,000
2024$1,866.00 (+3.15%)
2023$1,809.00 (+4.27%) Homeowner's exemption$142,584 (+3%)$199,100 (+32.29%) Land $14,900 Building $184,200
2022$1,735.00 Homeowner's exemption$138,432$150,500 Land $14,900 Building $135,600

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 34 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies34 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 RiskLow
lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood0.02% annual chance
ExposureIndirect
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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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

ProviderMax 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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