Osceola County property record for 3668 Ricky Ln, Saint Cloud, FL 34772 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,516 sqft · built 2016 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $510,000 (Feb 2024) |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 141234 |
| Primary APN | 141234 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,516 sqft Heated Area |
| Gross Area | 3,411 sqft |
| 1st Floor Area | 2,516 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Garage Type | Finished |
| Garage Area | 649 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 250 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 246 sqft |
| Deck Area | 674 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 141234 |
|---|---|
| Street Address | 3668 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 285 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 | 285 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 43207 |
Source: Osceola County records · APN 141234
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3668 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 24, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Jan 06, 2022 | Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 21, 2024 · Amount on Record |
| Deed Sale | Feb 21, 2024 · Amount on Record |
| Prior Sale | Mar 01, 2016 · Amount on Record |
| Deed Document Number | 0006554118 |
| Deed Book / Page | 6412 / 2840 |
| Prior Transfer Date | May 24, 2023 |
| Prior Transfer Doc | 2023066808 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 24, 2023 |
| Property Address | 3668 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0064122840 |
| Book / Page | 6412 / 2840 |
| Map Reference | MB 18 PG 31-36 |
| Instrument Date | May 22, 2023 |
| Instrument | 2023066808 |
| Transaction Type | Transfer |
| Record Updated | Jun 06, 2023 |
| Title Company | LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,220.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3668 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Name | Verified Name |
|---|---|
| Address | 3668 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0064122842 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 6412/2842 |
| Instrument | 2023066809 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3668 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3668 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0061232893 |
|---|---|
| Date | Jan 06, 2022 |
| Book Page | 6123/2893 |
| Instrument | 2022003413 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jan 01, 2037 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4.00 (-99.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $419,500 (+109.87%) Land $70,000 Building $349,500 | $419,500 (-3.07%) Land $70,000 Building $349,500 |
| 2023 | $2,841.00 (+3.76%) Homeowner's exemption | $199,890 (+3%) | $432,800 (+24.4%) Land $65,000 Building $367,800 |
| 2022 | $2,738.00 Homeowner's exemption | $194,068 | $347,900 Land $55,000 Building $292,900 |
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
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