Osceola County property record for 3660 Ricky Ln, Saint Cloud, FL 34772 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 2,854 sqft · built 2006 |
| Lot Size | 0.187 acres (8,145 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,865 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Jun 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0053-0001-2810 |
| Primary APN | 26-26-30-0053-0001-2810 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,854 sqft Living Area |
| Gross Area | 3,330 sqft |
| 1st Floor Area | 1,418 sqft |
| Upper Floors Area | 1,436 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,145 sqft (0.187 acres) |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 240 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 296 sqft |
| Deck Area | 440 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3660 RICKY LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRISTOL COVE AT DEER CREEK PH 1 PB 18 PG 31-36 LOT 281 LYING IN 27 & 34-26-30 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | BRISTOL COVE AT DEER CREEK PH 1 |
| Legal Phase | 1 |
| Legal Tract | 53 |
| Legal Block | 2810 |
| Legal Lot Number | 281 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 43207 |
Source: Osceola County records · APN 26-26-30-0053-0001-2810
Assessment roll updated November 26, 2025 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3660 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Oct 06, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jun 10, 2021 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC |
| May 13, 2019 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 08, 2024 |
| Deed Sale | Jul 08, 2024 |
| Prior Sale | Jul 20, 2016 · Amount on Record |
| Deed Document Number | 202488114 |
| Deed Book / Page | 6628 / 2241 |
| Prior Transfer Date | Jun 26, 2024 |
| Prior Transfer Doc | 0066282241 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3660 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0060590963 |
|---|---|
| Date | Oct 06, 2021 |
| Book Page | 6059/963 |
| Instrument | 2021154961 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3660 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Transaction Type | Mortgage |
| Record Updated | Jun 24, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 3660 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0059772816 |
|---|---|
| Date | Jun 10, 2021 |
| Book Page | 5977/2816 |
| Instrument | 2021090217 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 336 Months |
| Due | Jun 01, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3660 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0055260372 |
| Instrument Date | May 13, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jun 04, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3660 RICKY LN ST CLOUD FL 347728211, ST CLOUD, FL 34772-8211 |
| Document Number | 0055260372 |
|---|---|
| Date | May 17, 2019 |
| Book Page | 005526/000372 |
| Instrument | 64022 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 16, 2049 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| 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 | $3,865.00 (+3.51%) | $258,836 (+5.99%) | $372,400 (-3.17%) Land $70,000 Building $302,400 |
| 2024 | $3,734.00 (+2.61%) | ||
| 2023 | $3,639.00 (+3.59%) Homeowner's exemption | $244,216 (+3%) | $384,600 (+15.46%) Land $65,000 Building $319,600 |
| 2022 | $3,513.00 Homeowner's exemption | $237,103 | $333,100 Land $55,000 Building $278,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 66 individual NFIP policies nearby |
| 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, other causes, Hurricane Milton |
| Wildfire Risk | Moderate above 61% of the US · above 34% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 610 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 35 |
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