2422 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2422 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,615 sqft · built 2018
Lot Size	0.08 acres (3,484 sqft)
Owner	Individual Name on File
Last Sale	$348,000 (Jul 2024)
Tax Bill	$4,920 (2025)
Deeds & Mortgages	Jul 2024 Sale & Mortgage Jul 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0059-0001-1100`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0059-0001-1100`
Alternative APNs	`263027005900011100` `139514`

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	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
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	Florida Room
Porch Area	102 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2422 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7817
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 109 AND 110 DESCRIBED AS FOLLOWS: ELY 11 FT OF LOT 109 AND ALL OF LOT 110 AKA UNIT 69
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1100
Legal Lot Number	110
Legal Unit	69
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43207

Owner

2422 Seven Oaks Dr is owned by an individual who bought it in July 2024.

Source: Osceola County records, as of November 26, 2025

Owner of Record	Individual Name on File
Mailing Address	14432 COLLINS ST, MILTON, DE 19968-2638
Owner Type	Individual
Vesting	Single

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 18, 2024	Warranty Deed, Transfer · Conventional Mortgage NEXBANK SSB
Jul 18, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
May 1, 2018	Special Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 18, 2024 · Amount on File
Deed Sale	Jul 18, 2024 · Amount on File
Prior Sale	May 1, 2018 · Amount on File
Deed Document Number	202494461
Deed Book / Page	6635 / 2741
Prior Transfer Date	Jun 17, 2024
Prior Transfer Doc	0066352738
Record Updated	Jun 8, 2026

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2024
Property Address	2422 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0066352741
Book / Page	6635 / 2741
Map Reference	MB 18 PG 127
Instrument Date	Jul 18, 2024
Instrument	2024094461
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,436.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2422 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14432 COLLINS ST, MILTON, DE 19968-2638

Mortgage

Document Number	2024094462
Date	Jul 18, 2024
Instrument	2024094462

Lender

Name	NEXBANK SSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	7.62%
Type Change Date	Aug 1, 2029
Change Frequency	6 Months
Min Rate At Change	5.62%
Max Rate At Change	9.62%
Index	SOFR Average 30-Day
Margin	3
Max Rate	12.6%

July 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2024
Property Address	2422 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0066352738
Book / Page	6635 / 2738
Map Reference	MB 18 PG 127-131
Instrument Date	Jun 17, 2024
Instrument	2024094460
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2000 OAKVIEW CIR, SAINT CLOUD, FL 34769-6827

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2422 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

May 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 1, 2018
Property Address	2422 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0053252142
Book / Page	5325 / 2142
Map Reference	MB18 PG127-131
Instrument Date	Apr 30, 2018
Instrument	2018068862
Transaction Type	Transfer
Record Updated	Aug 1, 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	$1,501.50
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	2422 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	2018068863
Date	May 1, 2018
Instrument	2018068863

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 2422 Seven Oaks Dr was $4,920, up 42.3% 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	$4,920.00 (+42.28%)	$274,700 Land $40,000 Building $234,700	$274,700 Land $40,000 Building $234,700
2024	$3,458.00 (+2.95%)
2023	$3,359.00 (+13.48%) Homeowner's exemption	$250,050 (+19.84%)	$304,100 (+33.96%) Land $14,900 Building $289,200
2022	$2,960.00 Homeowner's exemption	$208,646	$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 2422 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 2422 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.

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