2375 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2375 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,744 sqft · built 2013
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$340,000 (Jun 2022)
Tax Bill	$3,974 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2020 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0059-0001-2190`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0059-0001-2190`
Alternative APNs	`263027005900012190` `139623`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,744 sqft Living Area
Gross Area	2,244 sqft
1st Floor Area	784 sqft
Upper Floors Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2013
Effective Year Built	Effective 2013
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	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2375 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	OAK RIDGE PB 18 PG 127-131 S 8.9 FT OF LOT 218 AND N 15.1 FT OF LOT 219 AKA UNIT 2
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	2190
Legal Lot Number	219
Legal Unit	2
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 November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	2375 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2022	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Oct 16, 2020	Loan Modification, Mortgage · FHA Mortgage PENNYMAC
Apr 5, 2017	Warranty Deed, Transfer · FHA Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Apr 5, 2017 · Amount on Record
Deed Document Number	202285885
Deed Book / Page	6224 / 1830
Prior Transfer Date	Feb 15, 2016
Prior Transfer Doc	0049160716
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 2, 2022
Property Address	2375 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Document Number	0062241830
Book / Page	6224 / 1830
Map Reference	MB 18 PG 127-131
Instrument Date	May 23, 2022
Instrument	2022085885
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 700005, SAINT CLOUD, FL 34770-0005

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1549 LAKEVLEW DRIVE, KISSIMMEE, FL 34744-6227

Mortgage

Document Number	0062241832
Date	Jun 2, 2022
Instrument	6224/1832

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	2375 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Document Number	0058411354
Instrument Date	Oct 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 16, 2020
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2375 SEVEN OAKS DR ST CLOUD FL 347727821, ST CLOUD, FL 34772-7821

Mortgage

Document Number	0058411354
Date	Nov 30, 2020
Book Page	005841/001354
Instrument	162302

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 29, 2050

Interest

Rate	3.12%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 5, 2017
Property Address	2375 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Document Number	0051271798
Book / Page	5127 / 1798
Map Reference	MB18 PG127-131
Instrument Date	Apr 4, 2017
Instrument	2017051479
Transaction Type	Transfer
Record Updated	Feb 8, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,298.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	12676 NW 67TH DR, 12676, PARKLAND, FL 33076-1960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2375 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821

Mortgage

Document Number	0051271800
Date	Apr 5, 2017
Instrument	5127/1800

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

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	$3,974.00 (-1.66%) Homeowner's exemption	$264,900 (-9.4%) Land $40,000 Building $224,900	$264,900 (-9.4%) Land $40,000 Building $224,900
2024	$4,041.00 (-10.34%)
2023	$4,507.00 (+77.37%) Homeowner's exemption	$292,400 (+59.67%) Land $14,900 Building $277,500	$292,400 (+33.82%) Land $14,900 Building $277,500
2022	$2,541.00 Homeowner's exemption	$183,124	$218,500 Land $14,900 Building $203,600

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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