Osceola County property record for 3440 Rambler Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,050 sqft · built 1994 |
| Lot Size | 4.87 acres (212,181 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $260,000 (May 2015) |
| Tax Bill | $3,510 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 98358 |
| Primary APN | 98358 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,050 sqft Heated Area |
| Gross Area | 3,452 sqft |
| 1st Floor Area | 2,050 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Exterior Material | Brick |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 212,181 sqft (4.87 acres) |
| Garage Type | Finished |
| Garage Area | 552 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Finished/Screened Porch |
| Porch Area | 261 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 98358 |
|---|---|
| Street Address | 3440 RAMBLER AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7903 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OAC |
| Legal Description | ST CLOUD MANOR EST UN 2 PB 1 PG 365 LOT 76 LESS E 5 FT |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 30 |
| Legal Subdivision | ST CLOUD MANOR EST 2 |
| Legal Tract | 5080 |
| Legal Block | 1 |
| Legal Lot Number | 76 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1027 |
| Census Tract | 43304 |
Source: Osceola County records · APN 98358
Assessment roll updated July 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 3440 RAMBLER AVE, SAINT CLOUD, FL 34772-7903 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 27, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 01, 2021 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Oct 08, 2019 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 12, 2015 · Amount on Record |
| Deed Sale | May 12, 2015 · Amount on Record |
| Deed Document Number | 2015067959 |
| Deed Book / Page | 4777 / 2606 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3440 RAMBLER AVE, SAINT CLOUD, FL 34772-7903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0061152923 |
|---|---|
| Date | Dec 27, 2021 |
| Book Page | 6115/2923 |
| Instrument | 2021199295 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 169 Months |
| Due | Jan 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3440 RAMBLER AVE, SAINT CLOUD, FL 34772-7903 |
| Transaction Type | Mortgage |
| Record Updated | Feb 08, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0059691907 |
|---|---|
| Date | Jun 01, 2021 |
| Book Page | 5969/1907 |
| Instrument | 2021084003 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3440 RAMBLER AVE, SAINT CLOUD, FL 34772-7903 |
| Document Number | 0056050176 |
| Instrument Date | Oct 08, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 3440 RAMBLER AVE ST CLOUD FL 347727903, ST CLOUD, FL 34772-7903 |
| Document Number | 0056050176 |
|---|---|
| Date | Oct 14, 2019 |
| Book Page | 005605/000176 |
| Instrument | 132025 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 13, 2039 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,510.00 (+7.7%) Homeowner's exemption | $242,775 (+5.99%) | $490,100 (+3.24%) Land $194,800 Building $295,300 |
| 2023 | $3,259.00 (+4.35%) Homeowner's exemption | $229,062 (+3%) | $474,700 (+20.45%) Land $194,800 Building $279,900 |
| 2022 | $3,123.00 Homeowner's exemption | $222,391 | $394,100 Land $155,900 Building $238,200 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Moderate above 46% of the US · lower than 82% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
Based on FCC filings for 69 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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