2383 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2383 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	4 bd · 3 ba · 1,615 sqft · built 2018
Lot Size	0.089 acres (3,920 sqft)
Owner	Individual Name on File
Last Sale	$222,265 (Jul 2018)
Tax Bill	$2,950 (2025)
Deeds & Mortgages	Mar 2025 Line of Credit Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`139627`

Property Details

APN / Parcel Number

Primary APN	`139627`
Alternative APN	`272630005900012230`

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 2018
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,920 sqft (0.089 acres)
Garage Type	Finished
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139627
Street Address	2383 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7821
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 223 AND 224 DESCRIBED AS FOLLOWS: NLY 7.07 FT OF LOT 224 AND ALL OF LOT 223 AKA
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	223-224
Legal Unit	121
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1028
Census Tract	43207

Owner

2383 Seven Oaks Dr, a townhouse, is owned and occupied by an individual who bought it in July 2018.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2383 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
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
Mar 28, 2025	Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK
Jan 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIFIRST FINANCIAL CORP
Jul 19, 2018	Special Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 19, 2018 · Amount on File
Deed Sale	Jul 19, 2018 · Amount on File
Deed Document Number	2018110512
Deed Book / Page	5369 / 2782
Record Updated	Jun 8, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2383 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2383 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821

Mortgage

Document Number	0067612686
Date	Mar 28, 2025
Book Page	6761/2686
Instrument	2025039295

Lender

Name	COASTAL COMMUNITY BANK
Type	Bank
Address	CAMPBELL, CA 95008

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2383 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2383 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821

Mortgage

Document Number	0058792542
Date	Jan 28, 2021
Book Page	5879/2542
Instrument	2021012993

Lender

Name	AMERIFIRST FINANCIAL CORP
Type	Funding / Finance Company
Address	PORTAGE, MI 49002

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

July 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 19, 2018
Property Address	2383 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Document Number	0053692782
Book / Page	5369 / 2782
Map Reference	MB18 PG127-131
Instrument Date	Jul 18, 2018
Instrument	2018110512
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,556.10
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	31 KATAHDIN ST, BANGOR, ME 04401-3738

Mortgage

Document Number	2018110515
Date	Jul 19, 2018
Instrument	2018110515

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2383 Seven Oaks Dr was $2,950 with a homeowner's exemption.

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	$2,950.00 Homeowner's exemption	$207,734	$274,700 Land $40,000 Building $234,700
2023	$2,770.00 (+3.75%) Homeowner's exemption	$196,000 (+3%)	$304,100 (+33.96%) Land $14,900 Building $289,200
2022	$2,670.00 Homeowner's exemption	$190,292	$227,000 Land $14,900 Building $212,100

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

Flood

FEMA maps place 2383 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 2383 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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