2420 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2420 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	3 bd · 2 ba · 1,550 sqft · built 2018
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$312,000 (Feb 2023)
Tax Bill	$3,837 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Feb 2023 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`139513`

Property Details

APN / Parcel Number

Primary APN	`139513`
Alternative APN	`272630005900011090`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,550 sqft Heated Area
Gross Area	2,078 sqft
1st Floor Area	672 sqft
Upper Floors Area	878 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	86 ft deep x 22 ft wide
Garage Type	Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	108 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	139513
Street Address	2420 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7817
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 108 AND 109 DESCRIBED AS FOLLOWS: ELY 13 FT OF LOT 108 AND WLY 11 FT OF LOT 109
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	108-109
Legal Unit	68
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43207

Owner

2420 Seven Oaks Dr, a townhouse, is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
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
Jan 28, 2021	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC
Feb 27, 2023	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU
Feb 21, 2023	Correction Deed FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Mar 6, 2020	Deed of Trust, Mortgage · VA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Apr 27, 2018	Special Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 2023 · Amount on File
Deed Sale	Feb 27, 2023 · Amount on File
Prior Sale	Apr 27, 2018 · Amount on File
Deed Document Number	2023022655
Deed Book / Page	6363 / 455
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	TWFG NATIONAL TITLE INSURANCE COMPANY, WFG NATIONAL TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	0058791272
Date	Jan 28, 2021
Book Page	5879/1272
Instrument	2021012644

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

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

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 27, 2023
Property Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0063630455
Book / Page	6363 / 455
Map Reference	MB 18 PG 127-131
Instrument Date	Feb 24, 2023
Instrument	2023022655
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,184.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1100 PENN CENTER BLVD, PITTSBURGH, PA 15235-5312

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	0006363457
Date	Feb 27, 2023
Instrument	6363/457

Lender

Name	NAVY FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

February 2023: Correction Deed

Document Type	Correction Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 21, 2023
Property Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0063602065
Book / Page	6360 / 2065
Map Reference	MB 18 PG 127-131
Instrument Date	Feb 17, 2023
Instrument	2023020335
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2255 GLADES RD, BOCA RATON, FL 33431-7382

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	WFG LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056870558
Date	Mar 6, 2020
Book Page	5687/558
Instrument	2020032991

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

April 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 27, 2018
Property Address	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0053242117
Book / Page	5324 / 2117
Map Reference	MB18 PG127
Instrument Date	Apr 27, 2018
Instrument	2018067722
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,373.40
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	2420 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	2018067723
Date	Apr 27, 2018
Instrument	2018067723

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2420 Seven Oaks Dr was $3,837 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	$3,837.00 Homeowner's exemption	$257,300 Land $40,000 Building $217,300	$257,300 Land $40,000 Building $217,300
2023	$2,436.00 (+4.01%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$182,446 (+3%)	$282,700 (+33.85%) Land $14,900 Building $267,800
2022	$2,342.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$177,133	$211,200 Land $14,900 Building $196,300

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

Flood

FEMA maps place 2420 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 2420 Seven Oaks Dr is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.04% 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 298 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: AT&T, Xfinity.

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