2388 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2388 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,615 sqft · built 2014
Lot Size	0.08 acres (3,484 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Apr 2023)
Tax Bill	$3,863 (2025)
Deeds & Mortgages	Nov 2024 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0059-0001-0930`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0059-0001-0930`
Alternative APNs	`263027005900010930` `139497`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,615 sqft Living 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 2014
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	3,484 sqft (0.08 acres)
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2388 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR3
Legal Description	OAK RIDGE PB 18 PG 127-131 A PORTION OF LOTS 93 & 94 DESCRIBED AS FOLLOWS: COM AT NW COR OF LOT 93, N 62 DEG E 71.80 FT TO POC, CONC TO RIGHT, RAD 15.00 FT, ELY ALONG CURVE 23.56 FT, S 28 DEG E 27.55 FT, S 61 DEG W 86.02 FT, N 29 DEG W 44.12 FT TO PO
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	930
Legal Lot Number	93
Legal Unit	55
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43207

Owner

2388 Seven Oaks Dr is owned and occupied by two individuals who bought it in April 2023.

Source: Osceola County records, as of May 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1414 BASS SLOUGH CIR, 1307, KISSIMMEE, FL 34743-3154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
Nov 20, 2024	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 6, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 6, 2023 · Amount on File
Deed Sale	Apr 6, 2023 · Amount on File
Prior Sale	Jun 2, 2015 · Amount on File
Deed Document Number	202338895
Deed Book / Page	6382 / 2170
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2388 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7825
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2388 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7825

Mortgage

Document Number	0066992815
Date	Nov 20, 2024
Book Page	6699/2815
Instrument	2024148388

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2054

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2023
Property Address	2388 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7825
Document Number	0063822170
Book / Page	6382 / 2170
Map Reference	MB 18 PG 127-131
Instrument Date	Apr 5, 2023
Instrument	2023038895
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	INTEGRITY FIRST TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	949 FLYER ST, ORANGE CITY, FL 32763-7035

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1414 BASS SLOUGH CIR APT 1307, 1307, KISSIMMEE, FL 34743-3154

Mortgage

Document Number	0063822172
Date	Apr 6, 2023
Instrument	6382/2172

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

Tax Assessment & Valuation

The 2025 property tax bill for 2388 Seven Oaks Dr was $3,863 with exemptions applied, down 1.7% from the year before.

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	$3,863.00 (-1.65%) Homeowner's exemption Veteran's exemption	$263,700 Land $40,000 Building $223,700	$263,700 Land $40,000 Building $223,700
2024	$3,928.00 (+68.95%)
2023	$2,325.00 (+3.93%) Homeowner's exemption	$171,255 (+3%)	$290,800 (+33.82%) Land $14,900 Building $275,900
2022	$2,237.00 Homeowner's exemption	$166,267	$217,300 Land $14,900 Building $202,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2388 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 2388 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.

Nearby Properties on Seven Oaks Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures