Osceola County property record for 3680 Ricky Ln, Saint Cloud, FL 34772 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,519 sqft · built 2006 |
| Lot Size | 0.173 acres (7,535 sqft) |
| Owner | Individual Name on File |
| Last Sale | $425,000 (Jul 2025) |
| Tax Bill | $4,600 (2025) |
| Deeds & Mortgages | May 2023 Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0053-0001-2880 |
| Primary APN | 26-26-30-0053-0001-2880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,519 sqft Living Area |
| Gross Area | 3,109 sqft |
| 1st Floor Area | 1,175 sqft |
| Upper Floors Area | 1,344 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 | 7,535 sqft (0.173 acres) |
| Lot Dimensions | 120 ft deep x 69 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 170 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3680 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 288 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 | 2880 |
| Legal Lot Number | 288 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 43207 |
Source: Osceola County records · APN 26-26-30-0053-0001-2880
Assessment roll updated November 26, 2025 · Last verified July 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 | 3715 BISHOP LANDING WAY, ORLANDO, FL 32824-7877 |
| Owner Type | Individual |
| Vesting | Single Man |
| Date | Document |
|---|---|
| May 25, 2023 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| Oct 04, 2022 | Deed of Trust, Mortgage · FHA Mortgage RUSHMORE LOAN MANAGEMENT SERVICES LLC |
| Feb 03, 2021 | Warranty Deed, Transfer · FHA Mortgage EMBRACE HOME LOANS INC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 03, 2025 · Amount on Record |
| Deed Sale | Jul 03, 2025 · Amount on Record |
| Prior Sale | Feb 03, 2021 · Amount on Record |
| Deed Document Number | 202582919 |
| Deed Book / Page | 6813 / 1256 |
| Prior Transfer Date | Mar 23, 2016 |
| Prior Transfer Doc | 0049362487 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3680 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Transaction Type | Mortgage |
| Record Updated | Jun 06, 2023 |
| Name | Verified Name |
|---|---|
| Address | 3680 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0064132148 |
|---|---|
| Date | May 25, 2023 |
| Book Page | 6413/2148 |
| Instrument | 2023067371 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 472 Months |
| Due | Sep 01, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3680 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3680 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0062940609 |
|---|---|
| Date | Oct 04, 2022 |
| Book Page | 6294/609 |
| Instrument | 2022147207 |
| Name | RUSHMORE LOAN MANAGEMENT SERVICES LLC |
|---|---|
| Type | Lending Institution |
| Address | IRVING, TX 75063 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 03, 2021 |
| Property Address | 3680 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0058830936 |
| Book / Page | 5883 / 936 |
| Map Reference | MB 18 PG 31-36 |
| Instrument Date | Feb 01, 2021 |
| Instrument | 2021015347 |
| Transaction Type | Transfer |
| Record Updated | Nov 24, 2021 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,065.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 701686, SAINT CLOUD, FL 34770-1686 |
| Name | Verified Name |
|---|---|
| Address | 3680 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 5883938 |
|---|---|
| Date | Feb 03, 2021 |
| Instrument | 5883/938 |
| Name | EMBRACE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2051 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 | $4,600.00 (+3.44%) | $299,919 (+5.99%) | $357,800 (-3.32%) Land $70,000 Building $287,800 |
| 2024 | $4,447.00 (+2.54%) | ||
| 2023 | $4,337.00 (+3.48%) Homeowner's exemption | $282,978 (+3%) | $370,100 (+25.37%) Land $65,000 Building $305,100 |
| 2022 | $4,191.00 Homeowner's exemption | $274,736 | $295,200 Land $55,000 Building $240,200 |
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 57 of 66 on primary residences |
| 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.
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