3120 Rambler Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3120 Rambler Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Residential Vacant Land
Lot Size	2.44 acres (106,286 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Dec 2022)
Tax Bill	$1,707 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Dec 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`192631495000011015`

Property Details

APN / Parcel Number

Primary APN	`192631495000011015`

Exterior

Lot Area	106,286 sqft (2.44 acres)

Location & Zoning

Street Address	3120 RAMBLER AVE
City	SAINT CLOUD
State	FL
Zip	34772-8502
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	S L & I C PB B PG 25 N 1/2 OF LOT 101
Legal Lot Number	101
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1021
Census Tract	43304

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
Co-owner	Co-owner on Record
Mailing Address	2884 MIDDLETON CIR, KISSIMMEE, FL 34743-5621
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2023	Warranty Deed, Transfer · Conventional Mortgage LAKE MICHIGAN CU
Dec 20, 2022	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	Dec 20, 2022 · Amount on Record
Deed Document Number	0063320874
Deed Book / Page	6332 / 874
Last Transfer Date	Jan 31, 2023
Transfer Doc	0063512250
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 6, 2023
Property Address	3120 RAMBLER AVE, SAINT CLOUD, FL 34772-8502
Document Number	0063411381
Book / Page	6341 / 1381
Map Reference	MB B PG 25
Instrument Date	Jan 3, 2023
Instrument	2023002573
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,645.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2111 CROSSHAIR CIR, ORLANDO, FL 32837-7408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3529 KAISER AVE, SAINT CLOUD, FL 34772-7366

Mortgage

Document Number	0063411383
Date	Jan 6, 2023
Instrument	6341/1383

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Feb 1, 2026
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	7.75%
Index	1-Year T-Bill
Max Rate	10.7%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 20, 2022
Property Address	3120 RAMBLER AVE, SAINT CLOUD, FL 34772-8502
Document Number	0063320874
Book / Page	6332 / 874
Map Reference	MB B PG 25
Instrument Date	Dec 19, 2022
Instrument	2022181500
Transaction Type	Transfer
Record Updated	Jan 22, 2024
Title Company	LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$1,505.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2111 CROSSHAIR CIR, ORLANDO, FL 32837-7408

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2884 MIDDLETON CIR, KISSIMMEE, FL 34743-5621

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,707.00 (-0.76%)	$123,200 (-) Land $123,200	$123,200 (-) Land $123,200
2023	$1,720.00 (+59.11%)	$123,200 (+59.38%) Land $123,200	$123,200 (+59.38%) Land $123,200
2022	$1,081.00	$77,300 Land $77,300	$77,300 Land $77,300

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

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 59 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	59 in force
Nearby Flood Claims	1 (2017)
Most Recent Claim	Sep 2017 · Hurricane Irma

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	Moderate above 57% of the US · lower than 69% of Florida
Wildfire Likelihood	0.2% annual chance
Exposure	Direct burnable vegetation

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 76 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Xfinity Cable	1,200 / 35

May also be available: Spectrum.

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