2492 Seven Oaks Dr, Saint Cloud, FL 34772 Property Records

Osceola County property record for 2492 Seven Oaks Dr, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,588 sqft · built 2008
Lot Size	0.044 acres (1,916 sqft)
Owner	Company Name on File
Last Sale	$314,204 (Jan 2025)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`27-26-30-0059-0001-1360`

Property Details

APN / Parcel Number

Primary APN	`27-26-30-0059-0001-1360`
Alternative APNs	`263027005900011360` `139540`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,588 sqft Living Area
Gross Area	1,932 sqft
1st Floor Area	632 sqft
Upper Floors Area	956 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Conventional
Exterior Material	Concrete Block
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,916 sqft (0.044 acres)
Lot Dimensions	87 ft deep x 22 ft wide
Garage Type	Attached
Garage Area	252 sqft
Parking Spaces	1 Parking Space
Porch	Florida Room
Porch Area	92 sqft
Patio Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	2492 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 LOT 136
Legal Range	30E
Legal Township	26S
Legal Section	27
Legal Subdivision	OAK RIDGE
Legal Tract	59
Legal Block	1360
Legal Lot Number	136
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	43207

Owner

2492 Seven Oaks Dr is owned by a company that bought it in January 2025.

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

Owner of Record	Company Name on File
Mailing Address	7901 4TH ST N, 300, ST PETERSBURG, FL 33702-4399
Owner Type	Company
Vesting	Limited Liability Partnership

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
Sep 8, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jan 31, 2025	Warranty Deed, Transfer ISLAND LIQUOR CORP
Apr 25, 2023	Warranty Deed, Transfer · FHA Mortgage AMERICAN LIBERTY MORTGAGE INC
Aug 1, 2018	Warranty Deed, Transfer · FHA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 31, 2025 · Amount on File
Deed Sale	Jan 31, 2025 · Amount on File
Prior Sale	Apr 25, 2023 · Amount on File
Deed Document Number	202512929
Deed Book / Page	6733 / 1766
Prior Transfer Date	Jul 1, 2014
Prior Transfer Doc	0046322314
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	0060372863
Date	Sep 8, 2021
Book Page	6037/2863
Instrument	2021138508

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Jul 1, 2051

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 31, 2025
Property Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0067331766
Book / Page	6733 / 1766
Map Reference	MB 18 PG 127
Instrument Date	Dec 17, 2024
Instrument	2025012929
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	OMEGA NATIONAL TITLE AGENCY LLC, OMEGA NATIONAL TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,200.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1945 ALAN ST, SEBRING, FL 33875-4556

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7901 4TH ST N STE 300, 300, ST PETERSBURG, FL 33702-4399
Investor	Possibly a Property Investor

Mortgage

Document Number	2025012930
Date	Jan 31, 2025
Instrument	2025012930

Lender

Name	ISLAND LIQUOR CORP
Type	Non-Lending Institution

Agreement

Amount	Amount on Record

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 25, 2023
Property Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0063941109
Book / Page	6394 / 1109
Map Reference	MB 18 PG 127-131
Instrument Date	Apr 5, 2023
Instrument	2023049838
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	RED DOOR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5075 CAPTAIN DR, GROVETOWN, GA 30813-1269

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	0063941111
Date	Apr 25, 2023
Instrument	6394/1111

Lender

Name	AMERICAN LIBERTY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2053

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 1, 2018
Property Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817
Document Number	0053770496
Book / Page	5377 / 0496
Map Reference	MB18 PG127-131
Instrument Date	Jul 31, 2018
Instrument	2018117114
Transaction Type	Transfer
Record Updated	Feb 8, 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	$1,330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7001 SARRASIN ST, 7001, SHERWOOD, AR 72120-5126

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 SEVEN OAKS DR, SAINT CLOUD, FL 34772-7817

Mortgage

Document Number	2018117115
Date	Aug 1, 2018
Instrument	2018117115

Lender

Name	TOWN SQUARE MORTGAGE & INVESTMENTS
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2492 Seven Oaks Dr was $4,306, up 59.4% 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	$4,306.00 (+59.36%)	$240,400 Land $40,000 Building $200,400	$240,400 Land $40,000 Building $200,400
2024	$2,702.00 (+65.06%)
2023	$1,637.00 (+4.33%) Homeowner's exemption	$133,068 (+3%)	$201,300 (+32.43%) Land $14,900 Building $186,400
2022	$1,569.00 Homeowner's exemption	$129,193	$152,000 Land $14,900 Building $137,100

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 2492 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 2492 Seven Oaks Dr is low, with a 0.02% annual chance of 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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