2370 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2370 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,438 sqft · built 2013
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Last Sale	$211,000 (Apr 2020)
Tax Bill	$2,895 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139491`

Property Details

APN / Parcel Number

Primary APN	`139491`
Alternative APN	`272630005900010870`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,438 sqft Heated Area
Gross Area	1,901 sqft
1st Floor Area	1,438 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,485 sqft (0.08 acres)
Garage Type	Finished
Garage Area	361 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139491
Street Address	2370 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 LOT 87 AND N 6.8 FT OF LOT 88 AKA UNIT 1
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	87-88
Legal Unit	1
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 December 11, 2025

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2370 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Warranty Deed, Transfer · FHA Mortgage CROSS COUNTRY MORTGAGE LLC
Jan 29, 2018	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2020 · Amount on Record
Deed Sale	Apr 8, 2020 · Amount on Record
Prior Sale	Jan 29, 2018 · Amount on Record
Deed Document Number	2020048465
Deed Book / Page	5705 / 1208
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 8, 2020
Property Address	2370 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Document Number	0057051208
Book / Page	5705 / 1208
Map Reference	MB 18 PG 127-131
Instrument Date	Mar 26, 2020
Instrument	2020048465
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,477.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2370 SEVEN OAKS DR, 2370, SAINT CLOUD, FL 34772-7823

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2370 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823

Mortgage

Document Number	0057051210
Date	Apr 8, 2020
Instrument	5705/1210

Lender

Name	CROSS COUNTRY MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 29, 2018
Property Address	2370 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Document Number	0052761953
Book / Page	5276 / 1953
Map Reference	MB18 PG127-131
Instrument Date	Jan 29, 2018
Instrument	2018015188
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CENTRAL FLORIDA TITLE ORLAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,340.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4228 ROUTE 22, 4228, WASSAIC, NY 12592-2135

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2370 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7823
Investor	Possibly a Property Investor

Mortgage

Document Number	2018015189
Date	Jan 29, 2018
Instrument	2018015189

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$2,895.00 (+6.51%) Homeowner's exemption	$204,642 (+5.99%)	$250,100 (-8.79%) Land $40,000 Building $210,100
2023	$2,718.00 (+3.78%) Homeowner's exemption	$193,083 (+3%)	$274,200 (+33.76%) Land $14,900 Building $259,300
2022	$2,619.00 Homeowner's exemption	$187,460	$205,000 Land $14,900 Building $190,100

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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