2245 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2245 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,588 sqft · built 2007
Lot Size	0.041 acres (1,785 sqft)
Owner	2 Company Names on Record
Last Sale	$310,000 (Jan 2023)
Tax Bill	$876 (2025)
Deeds & Mortgages	Sep 2026 Sale May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0059-0001-1670`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0059-0001-1670`
Alternative APNs	`263027005900011670` `139571`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	632 sqft
Upper Floors Area	956 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,785 sqft (0.041 acres)
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	92 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2245 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7819
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	OAK RIDGE PB 18 PG 127-131 LOT 167
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1670
Legal Lot Number	167
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1008
Census Tract	43207

Owner

Source: Osceola County records, as of September 22, 2026

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

Owner of Record	2 Company Names on Record
Mailing Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2026	Deed, Transfer NONE LISTED ON DOCUMENT
May 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
May 22, 2024	Quit Claim Deed, Transfer · Conventional Mortgage PARTNERS FCU
Jan 30, 2023	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 30, 2023 · Amount on Record
Deed Sale	Jan 30, 2023 · Amount on Record
Prior Sale	Jun 29, 2007 · Amount on Record
Deed Document Number	202311489
Deed Book / Page	6350 / 2629
Last Transfer Date	May 13, 2024
Transfer Doc	0066042215
Record Updated	Oct 29, 2026

September 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 4, 2026
Property Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0000116388
Book / Page	7031 / 1283
Instrument Date	Sep 3, 2026
Instrument	2026116388
Transaction Type	Transfer
Record Updated	Sep 15, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

Mortgage

Document Number	0059662427
Date	May 26, 2021
Book Page	5966/2427
Instrument	2021081608

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	272 Months
Due	Jan 1, 2044

May 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2024
Property Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0066042215
Book / Page	6604 / 2215
Map Reference	MB 18 PG 127-131
Instrument Date	May 13, 2024
Instrument	2024067596
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6984 BIG BEND DR, SAINT CLOUD, FL 34771-7323

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3124 BEAR PATH, KISSIMMEE, FL 34746-4673

Mortgage

Document Number	2024067597
Date	May 22, 2024
Instrument	2024067597

Lender

Name	PARTNERS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6%
Type Change Date	Jun 1, 2029
Change Frequency	Annually
Min Rate At Change	4%
Max Rate At Change	8%
Index	1-Year T-Bill
Max Rate	11%

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 30, 2023
Property Address	2245 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0063502629
Book / Page	6350 / 2629
Map Reference	MB 18 PG 127-131
Instrument Date	Jan 26, 2023
Instrument	2023011489
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,170.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3551 BRISTOL COVE LN, SAINT CLOUD, FL 34772-8285

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6934 BIG BEND DR, SAINT CLOUD, FL 34771-7323

Mortgage

Document Number	0063502631
Date	Jan 30, 2023
Instrument	6350/2631

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 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	$876.00 (-74.45%)	$91,868 (-53.86%)	$238,000 (+19.54%) Land $40,000 Building $198,000
2024	$3,429.00 (-4.46%)
2023	$3,589.00 (+418.64%)	$199,100 (+147.14%) Land $14,900 Building $184,200	$199,100 (+32.29%) Land $14,900 Building $184,200
2022	$692.00 Homeowner's exemption	$80,560	$150,500 Land $14,900 Building $135,600

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

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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