2360 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2360 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,674 sqft · built 2014
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Nov 2014)
Tax Bill	$4,702 (2025)
Deeds & Mortgages	May 2020 Loan Modification May 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0059-0001-0820`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0059-0001-0820`
Alternative APNs	`263027005900010820` `139486`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,674 sqft Living Area
Gross Area	2,265 sqft
1st Floor Area	652 sqft
Upper Floors Area	1,022 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Architectural Style	L-Shape
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	177 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2360 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7823
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	OAK RIDGE PB 18 PG 127-131 A PORTION OF LOTS 82 & 83 DESCRIBED AS FOLLOWS: SLY 15.85 FT OF LOT 82 AND NLY 8.15 FT OF LOT 83 AKA UNIT 46
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	820
Legal Lot Number	82
Legal Unit	46
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

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 Record	Individual Name on Record
Mailing Address	2360 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 7, 2020	Loan Modification, Mortgage · Conventional Mortgage US BK
May 7, 2020	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2014 · Amount on Record
Deed Sale	Nov 19, 2014 · Amount on Record
Prior Sale	Jan 16, 2013 · Amount on Record
Deed Document Number	2014170568
Deed Book / Page	4697 / 723
Record Updated	Sep 20, 2026

May 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2360 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Document Number	0057260485
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2360 SEVEN OAKS DR ST CLOUD FL 347727823, ST CLOUD, FL 34772-7823

Mortgage

Document Number	0057260485
Date	May 22, 2020
Book Page	005726/000485
Instrument	67230

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

Interest

Rate	3.75%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2360 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Document Number	0057260496
Instrument Date	May 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 21, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2360 SEVEN OAKS DR ST CLOUD FL 347727823, ST CLOUD, FL 34772-7823

Mortgage

Document Number	0057260496
Date	May 22, 2020
Book Page	005726/000496
Instrument	67231

Lender

Name	HUD-HOUSING/URBAN DEV
Address	451 7TH ST SW, WASHINGTON, DC 20410-0001

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2050

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	$4,702.00 (+2.04%)	$262,500 (-9.26%) Land $40,000 Building $222,500	$262,500 (-9.26%) Land $40,000 Building $222,500
2024	$4,608.00 (+2.65%)
2023	$4,489.00 (+17.33%)	$289,300 (+33.81%) Land $14,900 Building $274,400	$289,300 (+33.81%) Land $14,900 Building $274,400
2022	$3,826.00	$216,200 Land $14,900 Building $201,300	$216,200 Land $14,900 Building $201,300

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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
CenturyLink DSL	140 / 20

May also be available: AT&T, Verizon, Xfinity.

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