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2685 Shelby Ruth Pl, Saint Cloud, FL 34769 Property Records

Osceola County property record for 2685 Shelby Ruth Pl, Saint Cloud, FL 34769

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,249 sqft · built 2014
Lot Size0.048 acres (2,090 sqft)
OwnerIndividual Name on File
Last Sale$289,000 (Jun 2023)
Tax Bill$4 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Jun 2023 Sale & Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN10-26-30-0841-0001-0340

Property Details

APN / Parcel Number

Primary APN10-26-30-0841-0001-0340
Alternative APNs
  • 263010084100010340
  • 145686

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,249 sqft Living Area
Gross Area1,736 sqft
1st Floor Area1,249 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2014
Effective Year BuiltEffective 2014
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,090 sqft (0.048 acres)
Lot Dimensions63 ft deep x 33 ft wide
Garage TypeAttached
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchEnclosed/Finished Porch
Porch Area247 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address2685 SHELBY RUTH PL
CitySAINT CLOUD
StateFL
Zip34769-4918
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSR3
Legal DescriptionTRADITION PB 19 PG 39 LOT 34
Legal Range30E
Legal Township26S
Legal Section10
Legal SubdivisionTRADITION
Legal Tract841
Legal Block340
Legal Lot Number34
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group3
Census Block3000
Census Tract43208

Owner

2685 Shelby Ruth Pl is owned and occupied by an individual who bought it in June 2023.

Source: Osceola County records, as of July 20, 2026

Owner of RecordIndividual Name on File
Mailing Address2685 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918
OccupancyOwner Occupied
Owner TypeIndividual
VestingUnmarried Man

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

DateDocument
Feb 11, 2026Deed of Trust, Mortgage · VA Mortgage
LAKEVIEW LOAN SERVICING LLC
Jun 15, 2023Warranty Deed, Transfer · VA Mortgage
GUARANTEED RATE INC
May 31, 2022Warranty Deed, Transfer
STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 15, 2023 · Amount on File
Deed SaleJun 15, 2023 · Amount on File
Prior SaleMay 31, 2022 · Amount on File
Deed Document Number202378085
Deed Book / Page6425 / 2960
Record UpdatedSep 20, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address2685 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918
Transaction TypeMortgage
Record UpdatedMar 3, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address2685 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918

Mortgage

Document Number0069210146
DateFeb 11, 2026
Book Page6921/146
Instrument2026018675
Lender
NameLAKEVIEW LOAN SERVICING LLC
TypeMortgage Company
AddressMIAMI, FL 33146
Agreement
TypeVA Mortgage
AmountAmount on Record
Term360 Months
DueFeb 1, 2056

June 2023: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 15, 2023
Property Address2685 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918
Document Number0064252960
Book / Page6425 / 2960
Map ReferenceMB 19 PG 39
Instrument DateJun 13, 2023
Instrument2023078085
Transaction TypeTransfer
Record UpdatedJun 26, 2023
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$2,023.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2416 SE 8TH AVE, CAPE CORAL, FL 33990-3301

Transferred To (Grantee/Buyer)

NameVerified Name
Address2685 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918

Mortgage

Document Number0064252962
DateJun 15, 2023
Instrument6425/2962
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount on Record
Term361 Months
DueJul 1, 2053

May 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 31, 2022
Property Address2685 SHELBY RUTH PL, SAINT CLOUD, FL 34769-4918
Document Number0062231154
Book / Page6223 / 1154
Map ReferenceMB 19 PG 39
Instrument DateMay 27, 2022
Instrument2022084828
Transaction TypeTransfer
Record UpdatedJun 15, 2022
Title CompanySTEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

AmountAmount on Record
Tax$1,785.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address2685 SHELBY RUTH PL, 2685, SAINT CLOUD, FL 34769-4918

Transferred To (Grantee/Buyer)

NameVerified Name
Address2416 SE 8TH AVE, CAPE CORAL, FL 33990-3301
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2685 Shelby Ruth Pl was $4 with exemptions applied.

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4.00 Homeowner's exemption Veteran's exemption$252,516$280,700 Land $38,000 Building $242,700
2023$4,634.00 (+223.38%)$257,100 (+92.96%) Land $14,900 Building $242,200$257,100 (+34.12%) Land $14,900 Building $242,200
2022$1,433.00 Homeowner's exemption Senior Citizen's exemption$133,241$191,700 Land $14,900 Building $176,800

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 2685 Shelby Ruth Pl in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on File
median of 25 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies25 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 2685 Shelby Ruth Pl is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 95% of the US · lower than 95% of Florida
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond 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 SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 400 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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