2387 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2387 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,744 sqft · built 2018
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,213 (2025)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139629`

Property Details

APN / Parcel Number

Primary APN	`139629`
Alternative APN	`272630005900012250`

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 2018
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)
Lot Dimensions	85 ft deep x 22 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139629
Street Address	2387 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 225 AND 226 DESCRIBED AS FOLLOWS: SLY 12.93 FT OF LOT 225 AND NLY 11.07 FT OF
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	225-226
Legal Unit	119
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1028
Census Tract	43207

Owner

2387 Seven Oaks Dr, a townhouse, is owned and occupied by two individuals who acquired it in October 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	2387 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
Jul 7, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Sep 20, 2018	Grant Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 31, 2023
Deed Sale	Oct 31, 2023
Prior Sale	Sep 20, 2018 · Amount on File
Deed Document Number	0006500592
Deed Book / Page	6247 / 1200
Prior Transfer Date	Jul 7, 2022
Prior Transfer Doc	2022105416
Record Updated	Jun 8, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2022
Property Address	2387 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Document Number	0062471200
Book / Page	6247 / 1200
Map Reference	MB 18 PG 127-131
Instrument Date	Jul 5, 2022
Instrument	2022105416
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,589.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3390 PINE FOREST RD, CANTONMENT, FL 32533-7452

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2387 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821

Mortgage

Document Number	0062471202
Date	Jul 7, 2022
Instrument	6247/1202

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

September 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 20, 2018
Property Address	2387 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7821
Document Number	0054032883
Book / Page	005403 / 002883
Instrument Date	Sep 17, 2018
Instrument	141541
Transaction Type	Transfer
Record Updated	Oct 8, 2018
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,548.33
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2387 SEVEN OAKS DR ST CLOUD FL 34772, ST CLOUD, FL 34772

Mortgage

Document Number	54032885
Date	Sep 20, 2018
Book Page	005403/002885
Instrument	141542

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 19, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2387 Seven Oaks Dr was $4,213 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	$4,213.00 Homeowner's exemption	$278,300 Land $40,000 Building $238,300	$278,300 Land $40,000 Building $238,300
2023	$5,559.00 (+36.65%)	$308,500 (+34.01%) Land $14,900 Building $293,600	$308,500 (+34.01%) Land $14,900 Building $293,600
2022	$4,068.00	$230,200 Land $14,900 Building $215,300	$230,200 Land $14,900 Building $215,300

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

Flood

FEMA maps place 2387 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 2387 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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