Osceola County property record for 3677 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,668 sqft · built 2016 |
| Lot Size | 0.236 acres (10,280 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $212,000 (Jul 2016) |
| Tax Bill | $2,675 (2025) |
| Deeds & Mortgages | Dec 2021 Mortgage Jan 2018 Loan Modification + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0053-0001-2670 |
| Primary APN | 26-26-30-0053-0001-2670 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,668 sqft Living Area |
| Gross Area | 2,336 sqft |
| 1st Floor Area | 1,668 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,280 sqft (0.236 acres) |
| Garage Type | Attached |
| Garage Area | 436 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
| Porch Area | 232 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3677 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 267 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 | 2670 |
| Legal Lot Number | 267 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records, as of November 26, 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 Record |
|---|---|
| Mailing Address | 3677 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2021 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Jan 25, 2018 | Loan Modification, Mortgage · FHA Mortgage US BK |
| Jan 25, 2018 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2016 · Amount on Record |
| Deed Sale | Jul 7, 2016 · Amount on Record |
| Prior Sale | Jan 22, 2016 · Amount on Record |
| Deed Document Number | 2016103508 |
| Deed Book / Page | 4988 / 2201 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3677 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3677 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0061080685 |
|---|---|
| Date | Dec 15, 2021 |
| Book Page | 6108/685 |
| Instrument | 2021193184 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Term | 360 Months |
| Due | Dec 1, 2051 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3677 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0052860726 |
| Instrument Date | Jan 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Mar 9, 2018 |
| Title Company | SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3677 RICKY LN ST CLOUD FL 347728210, ST CLOUD, FL 34772-8210 |
| Document Number | 0052860726 |
|---|---|
| Date | Feb 15, 2018 |
| Book Page | 005286/000726 |
| Instrument | 26074 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 14, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.12% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3677 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0052842840 |
| Instrument Date | Jan 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2018 |
| Title Company | SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3677 RICKY LN ST CLOUD FL 347728210, ST CLOUD, FL 34772-8210 |
| Document Number | 0052842840 |
|---|---|
| Date | Feb 13, 2018 |
| Book Page | 005284/002840 |
| Instrument | 24659 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 12, 2048 |
Source: Osceola County assessment roll, as of November 26, 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 | $2,675.00 (+3.64%) Homeowner's exemption | $192,335 (+5.99%) | $313,900 (-2.85%) Land $70,000 Building $243,900 |
| 2024 | $2,581.00 (+2.87%) | ||
| 2023 | $2,509.00 (+3.89%) Homeowner's exemption | $181,471 (+3%) | $323,100 (+25.33%) Land $65,000 Building $258,100 |
| 2022 | $2,415.00 Homeowner's exemption | $176,186 | $257,800 Land $55,000 Building $202,800 |
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 100 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 60% of the US · lower than 65% of Florida |
|---|---|
| Wildfire Likelihood | 0.2% 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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