2277 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2277 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 1,615 sqft · built 2016
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Jun 2022)
Tax Bill	$4,813 (2025)
Deeds & Mortgages	Jun 2022 Sale Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`139584`

Property Details

APN / Parcel Number

Primary APN	`139584`
Alternative APN	`272630005900011800`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,615 sqft Heated Area
Gross Area	2,131 sqft
1st Floor Area	845 sqft
Upper Floors Area	770 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Finished
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139584
Street Address	2277 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 A PORTION OF LOTS 179 AND 180 DESCRIBED AS FOLLOWS: WLY 8.01 FT OF LOT 179 AND ALL OF LOT 180 AKA
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	179-180
Legal Unit	157
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1028
Census Tract	43207

Owner

Source: Osceola County records, as of December 11, 2025

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
Co-owner	2 Co-owners on Record
Mailing Address	2277 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Warranty Deed, Transfer FIRST INTERNATIONAL TITLE
Jun 1, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
Feb 7, 2017	Special Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Feb 7, 2017 · Amount on Record
Deed Document Number	2022091984
Deed Book / Page	6231 / 1814
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 13, 2022
Property Address	2277 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0062311814
Book / Page	6231 / 1814
Map Reference	MB 18 PG 127-131
Instrument Date	Jun 3, 2022
Instrument	2022091984
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST INTERNATIONAL TITLE

Transaction

Amount	Amount Recorded
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3703 MOON DANCER PL, SAINT CLOUD, FL 34772-8242

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2277 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2277 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0057350640
Instrument Date	Jun 1, 2020
Transaction Type	Mortgage
Record Updated	Jul 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2277 SEVEN OAKS DR ST CLOUD FL 347727819, ST CLOUD, FL 34772-7819

Mortgage

Document Number	0057350640
Date	Jun 10, 2020
Book Page	005735/000640
Instrument	74269

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 9, 2050

February 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2017
Property Address	2277 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819
Document Number	0050990505
Book / Page	5099 / 0505
Map Reference	MB18 PG127-131
Instrument Date	Feb 6, 2017
Instrument	2017021297
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,409.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 GLADES RD # RD324A, 2255, BOCA RATON, FL 33431-7382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2277 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7819

Mortgage

Document Number	0050990507
Date	Feb 7, 2017
Instrument	5099/0507

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2047

Tax Assessment & Valuation

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	$4,813.00 (-10.02%)	$268,700 (-9.47%) Land $40,000 Building $228,700	$268,700 (-9.47%) Land $40,000 Building $228,700
2023	$5,349.00 (+114.47%)	$296,800 (+59.98%) Land $14,900 Building $281,900	$296,800 (+33.87%) Land $14,900 Building $281,900
2022	$2,494.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$185,519	$221,700 Land $14,900 Building $206,800

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
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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