Osceola County property record for 3651 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 5 ba · 2,854 sqft · built 2006 |
| Lot Size | 0.21 acres (9,191 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $255,000 (Jun 2018) |
| Tax Bill | $4,704 (2025) |
| Deeds & Mortgages | Jun 2020 Mortgage Jun 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 141281 |
| Primary APN | 141281 |
|---|---|
| Alternative APN |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,854 sqft Heated Area |
| Gross Area | 3,330 sqft |
| 1st Floor Area | 1,418 sqft |
| Upper Floors Area | 1,436 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 9,191 sqft (0.21 acres) |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 345 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Deck Area | 528 sqft |
| Patio Area | 320 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 141281 |
|---|---|
| Street Address | 3651 RICKY LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8210 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | BRISTOL COVE AT DEER CREEK PH 1 PB 18 PG 31-36 LOT 369 LYING IN 27 & 34-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | BRISTOL COVE AT DEER CREEK PHASE 1 - 3 |
| Legal Phase | 1 |
| Legal Tract | 53 |
| Legal Block | 1 |
| Legal Lot Number | 369 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
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 |
|---|---|
| Mailing Address | 3651 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Jun 27, 2018 | Warranty Deed, Transfer · FHA Mortgage FRANKLIN AMERICAN MORTGAGE CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 27, 2018 · Amount on Record |
| Deed Sale | Jun 27, 2018 · Amount on Record |
| Prior Sale | Sep 12, 2006 · Amount on Record |
| Deed Document Number | 2018098843 |
| Deed Book / Page | 5357 / 1348 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3651 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Transaction Type | Mortgage |
| Record Updated | Jan 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057340742 |
|---|---|
| Date | Jun 9, 2020 |
| Book Page | 5734/742 |
| Instrument | 2020073496 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | PARSIPPANY, NJ 07054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 27, 2018 |
| Property Address | 3651 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0053571348 |
| Book / Page | 5357 / 1348 |
| Map Reference | MB18 PG31-36 |
| Instrument Date | Jun 15, 2018 |
| Instrument | 2018098843 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | STEWART TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,785.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | N27W23681 PAUL RD, N27W23681, PEWAUKEE, WI 53072-6283 |
| Name | Verified Name |
|---|---|
| Address | 3651 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 2018098844 |
|---|---|
| Date | Jun 27, 2018 |
| Instrument | 2018098844 |
| Name | FRANKLIN AMERICAN MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2048 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,704.00 (+6.04%) Homeowner's exemption | $305,731 (+5.99%) | $391,200 (-2.73%) Land $70,000 Building $321,200 |
| 2023 | $4,436.00 (+3.48%) Homeowner's exemption | $288,462 (+3%) | $402,200 (+14.59%) Land $65,000 Building $337,200 |
| 2022 | $4,287.00 Homeowner's exemption | $280,061 | $351,000 Land $55,000 Building $296,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 66 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 66 in force |
| Nearby Flood Claims | 2 (2017–2024) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Oct 2024 · Hurricane Milton |
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 | Moderate above 53% of the US · lower than 76% of Florida |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
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