Osceola County property record for 3091 Ranger Dr, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 3,060 sqft · built 2024 |
| Lot Size | 0.139 acres (6,098 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $631,700 (Apr 2024) |
| Tax Bill | $10,156 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Jun 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 022531553800012450 |
| Primary APN | 022531553800012450 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 3,060 sqft Heated Area |
| Gross Area | 3,801 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Exterior Material | Fiber Cement Siding |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.139 acres) |
| Garage Type | Finished |
| Porch | Open Porch |
| Porch Area | 182 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3091 RANGER DR |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8969 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WESLYN PARK PH 2 PB 32 PGS 72-94 LOT 245 |
| Legal Phase | 2 |
| Legal Lot Number | 245 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 43700 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2025 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU |
| Jun 26, 2024 | Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU |
| Apr 2, 2024 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage JET HOMELOANS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 2, 2024 · Amount on Record |
| Deed Sale | Apr 2, 2024 · Amount on Record |
| Deed Document Number | 2024041078 |
| Deed Book / Page | 6574 / 1769 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Document Number | 0068832882 |
|---|---|
| Date | Nov 21, 2025 |
| Book Page | 6883/2882 |
| Instrument | 2025144046 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Type Change Date | Dec 1, 2030 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 10.2% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Document Number | 0066232873 |
|---|---|
| Date | Jun 26, 2024 |
| Book Page | 6623/2873 |
| Instrument | 2024084193 |
| Name | SPACE COAST CU |
|---|---|
| Type | Credit Union |
| Address | MELBOURNE, FL 32940 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6% |
| Type Change Date | Jul 1, 2029 |
| Change Frequency | Annually |
| Min Rate At Change | 2.75% |
| Max Rate At Change | 8% |
| Index | 1-Year T-Bill |
| Max Rate | 11% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 2, 2024 |
| Property Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Document Number | 0065741769 |
| Book / Page | 6574 / 1769 |
| Map Reference | MB 32 PG 72-94 |
| Instrument Date | Mar 28, 2024 |
| Instrument | 2024041078 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | GOLDEN DOG TITLE AND TRUST, GOLDEN DOG TITLE & TRUST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,421.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8529 SOUTHPARK CIR STE 130, 130, ORLANDO, FL 32819-9016 |
| Name | Verified Name |
|---|---|
| Address | 3091 RANGER DR, SAINT CLOUD, FL 34771-8969 |
| Document Number | 0065741771 |
|---|---|
| Date | Apr 2, 2024 |
| Instrument | 6574/1771 |
| Name | JET HOMELOANS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2054 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,156.00 (+157.11%) Homeowner's exemption | $566,600 (+529.56%) Land $90,000 Building $476,600 | $566,600 (+529.56%) Land $90,000 Building $476,600 |
| 2024 | $3,950.00 (+44.27%) | $90,000 (+2%) Land $90,000 | $90,000 (+2%) Land $90,000 |
| 2023 | $2,738.00 (+12.26%) | $75,000 (+15%) Land $75,000 | $75,000 (+15%) Land $75,000 |
| 2022 | $2,439.00 | $30,000 Land $30,000 | $30,000 Land $30,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 330 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 330 in force |
| Nearby Flood Claims | 18 (2004–2022) |
| Claims Outside the SFHA | 1 of 18 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Very High above 93% of the US · above 89% of Florida |
|---|---|
| Wildfire Likelihood | 1% annual chance |
| Exposure | Direct burnable vegetation |
Insurers in high-risk areas may require mitigation or decline coverage; check availability before making an offer.
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 51 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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