2366 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2366 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,744 sqft · built 2014
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$209,000 (Aug 2020)
Tax Bill	$4 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Dec 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`139489`

Property Details

APN / Parcel Number

Primary APN	`139489`
Alternative APN	`272630005900010850`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,744 sqft Heated Area
Gross Area	2,244 sqft
1st Floor Area	784 sqft
Upper Floors Area	960 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139489
Street Address	2366 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7823
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 84 & 85 DESCRIBED AS FOLLOWS: SLY 11.85 FT OF LOT 84 AND NLY 12.15 FT OF LOT 85
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	84-85
Legal Unit	48
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	43207

Owner

2366 Seven Oaks Dr, a townhouse, is owned and occupied by an individual who bought it in August 2020.

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

Owner of Record	Individual Name on File
Mailing Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
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
Sep 24, 2021	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 5, 2023	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Aug 10, 2020	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 2, 2020	Warranty Deed, Transfer OPENDOOR TITLE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on File
Deed Sale	Aug 10, 2020 · Amount on File
Prior Sale	Apr 2, 2020 · Amount on File
Deed Document Number	2020104922
Deed Book / Page	5771 / 1793
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Investor	Possibly a Property Investor

Mortgage

Document Number	0060510660
Date	Sep 24, 2021
Book Page	6051/660
Instrument	2021148822

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Investor	Possibly a Property Investor

Mortgage

Document Number	0065140168
Date	Dec 5, 2023
Book Page	6514/168
Instrument	2023158210

Lender

Name	LENDAGE LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 1, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2020
Property Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Document Number	0057711793
Book / Page	5771 / 1793
Map Reference	MB 18 PG 127-131
Instrument Date	Jun 5, 2020
Instrument	2020104922
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	OS NATIONAL LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,463.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1 POST ST FL 11, 1, SAN FRANCISCO, CA 94104-5215

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Investor	Possibly a Property Investor

Mortgage

Document Number	0057711795
Date	Aug 10, 2020
Instrument	5771/1795

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2050

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 2, 2020
Property Address	2366 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Document Number	0057022001
Book / Page	005702 / 002001
Instrument Date	Mar 31, 2020
Instrument	46078
Transaction Type	Transfer
Record Updated	Jun 8, 2020
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount on Record
Tax	$1,379.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Corporate Trust
Address	1 POST ST #11 SAN FRANCISCO CA 941045215, 11, SAN FRANCISCO, CA 94104-5215
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2366 Seven Oaks Dr was $4 with exemptions applied.

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	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$267,500 Land $40,000 Building $227,500	$267,500 Land $40,000 Building $227,500
2023	$4,594.00 (+17.31%)	$295,500 (+33.89%) Land $14,900 Building $280,600	$295,500 (+33.89%) Land $14,900 Building $280,600
2022	$3,916.00	$220,700 Land $14,900 Building $205,800	$220,700 Land $14,900 Building $205,800

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

Flood

FEMA maps place 2366 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 2366 Seven Oaks Dr is low, with a 0.06% annual chance of 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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