2516 Oakbank Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 2516 Oakbank Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	6 bd · 5.5 ba · 5,179 sqft · built 2015
Lot Size	0.351 acres (15,289 sqft)
Owner	2 Trust Names on File
Last Sale	$639,000 (Jan 2016)
Tax Bill	$9,178 (2025)
Deeds & Mortgages	Jan 2021 Mortgage
Flood Zone	Zone AE (high risk)
APN	`07-25-31-2874-0001-1940`

Property Details

APN / Parcel Number

Primary APN	`07-25-31-2874-0001-1940`
Alternative APNs	`253107287400011940` `142580`

Interior

Bedrooms	6 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	5,179 sqft Living Area
Gross Area	6,537 sqft
1st Floor Area	2,770 sqft
Upper Floors Area	2,409 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,289 sqft (0.351 acres)
Garage Type	Attached
Garage Area	683 sqft
Parking Spaces	2 Parking Spaces
Porch	Florida Room
Porch Area	675 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	2516 OAKBANK CT
City	SAINT CLOUD
State	FL
Zip	34771-8607
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PD
Legal Description	LAKE POINTE PH 2A PB 19 PG 15-16 LOT 194
Legal Range	31E
Legal Township	25S
Legal Section	07
Legal Subdivision	LAKE POINTE PH 2A
Legal Phase	2A
Legal Tract	2874
Legal Block	1940
Legal Lot Number	194
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

2516 Oakbank Ct is owner-occupied and held in a trust since May 2024.

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

Owner of Record	2 Trust Names on File
Mailing Address	2516 OAKBANK CT, SAINT CLOUD, FL 34771-8607
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Revocable Trust

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2016 · Amount on File
Deed Sale	Jan 29, 2016 · Amount on File
Prior Sale	Jul 3, 2014 · Amount on File
Deed Document Number	201614821
Deed Book / Page	4907 / 250
Last Transfer Date	May 29, 2024
Transfer Doc	0066081592
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	2516 OAKBANK CT, SAINT CLOUD, FL 34771-8607
Transaction Type	Mortgage
Record Updated	Aug 1, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2516 OAKBANK CT, SAINT CLOUD, FL 34771-8607

Mortgage

Document Number	0058760242
Date	Jan 22, 2021
Book Page	5876/242
Instrument	2021010439

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 2516 Oakbank Ct was $9,178, up 4.1% from the year before.

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,178.00 (+4.07%)	$651,886	$782,300 Land $130,000 Building $652,300
2024	$8,819.00 (+1.95%)
2023	$8,650.00 (+3.46%) Homeowner's exemption	$615,064 (+3%)	$767,400 (+14.18%) Land $130,000 Building $637,400
2022	$8,361.00 Homeowner's exemption	$597,150	$672,100 Land $130,000 Building $542,100

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

Flood

FEMA maps place 2516 Oakbank Ct in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	61.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

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 2516 Oakbank Ct is high, ranking above 80% of the US, with a 0.5% annual chance of wildfire.

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

Wildfire Risk	High above 80% of the US · above 70% of Florida
Wildfire Likelihood	0.5% 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30