2477 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2477 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,550 sqft · built 2017
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jul 2020)
Tax Bill	$2,982 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`139656`

Property Details

APN / Parcel Number

Primary APN	`139656`
Alternative APN	`272630005900012520`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
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 2017
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.039 acres)
Lot Dimensions	80 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	139656
Street Address	2477 SEVEN OAKS DR
City	SAINT CLOUD
State	FL
Zip	34772-7899
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 251 AND 252 DESCRIBED AS FOLLOWS: COM AT NE COR OF LOT 254, W 62.88 FT TO POB; S
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1
Legal Lot Number	254
Legal Unit	97
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1028
Census Tract	43207

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2477 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7899
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2020	Warranty Deed, Transfer · FHA Mortgage COMMERCE HOME MORTGAGE LLC
Jun 22, 2017	Special Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2020 · Amount on Record
Deed Sale	Jul 7, 2020 · Amount on Record
Prior Sale	Jun 22, 2017 · Amount on Record
Deed Document Number	2020087178
Deed Book / Page	5750 / 328
Record Updated	Jun 8, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 7, 2020
Property Address	2477 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7899
Document Number	0057500328
Book / Page	5750 / 328
Map Reference	MB 18 PG 127-131
Instrument Date	Jul 1, 2020
Instrument	2020087178
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,505.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1415 CREVALLE AVE, 1415, MERRITT ISLAND, FL 32952-5715

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2477 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7899

Mortgage

Document Number	0005750330
Date	Jul 7, 2020
Instrument	5750/330

Lender

Name	COMMERCE HOME MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2050

June 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 22, 2017
Property Address	2477 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7899
Document Number	0051681362
Book / Page	5168 / 1362
Map Reference	MB18 PG127-131
Instrument Date	Jun 19, 2017
Instrument	2017091522
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,253.00
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
Relationship	Joint Tenants with Right of Survivorship
Address	2477 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7899

Mortgage

Document Number	0051681364
Date	Jun 22, 2017
Instrument	5168/1364

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

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	$2,982.00 (+6.5%) Homeowner's exemption	$209,477 (+5.99%)	$255,700 (-8.91%) Land $40,000 Building $215,700
2023	$2,800.00 (+3.78%) Homeowner's exemption	$197,645 (+3%)	$280,700 (+33.73%) Land $14,900 Building $265,800
2022	$2,698.00 Homeowner's exemption	$191,889	$209,900 Land $14,900 Building $195,000

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

Flood

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 Record 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 93% of Florida
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach

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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