3681 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3681 Ricky Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,315 sqft · built 2016
Lot Size	0.182 acres (7,971 sqft)
Owner	Individual Name on File
Last Sale	$370,000 (Jul 2021)
Tax Bill	$6,909 (2025)
Deeds & Mortgages	Jul 2021 Sale Mar 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`141214`

Property Details

APN / Parcel Number

Primary APN	`141214`
Alternative APN	`262630005300012650`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,315 sqft Heated Area
Gross Area	3,207 sqft
1st Floor Area	2,315 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,971 sqft (0.182 acres)
Lot Dimensions	127 ft deep x 63 ft wide
Garage Type	Finished
Garage Area	709 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	183 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	141214
Street Address	3681 RICKY LN
City	SAINT CLOUD
State	FL
Zip	34772-8210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRISTOL COVE AT DEER CREEK PH 1 PB 18 PG 31-36 LOT 265 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	265
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 141214

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	Individual Name on File
Co-owner	2 Verified Secondary Owners
Mailing Address	3681 RICKY LN, SAINT CLOUD, FL 34772-8210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Warranty Deed, Transfer HOMELIGHT SETTLEMENT LLC
Mar 03, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Jun 01, 2018	Loan Modification, Mortgage · FHA Mortgage CALIBER HM LOANS
Jan 06, 2017	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	Jan 06, 2017 · Amount on Record
Deed Document Number	2021110140
Deed Book / Page	6003 / 532
Record Updated	Jun 08, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 15, 2021
Property Address	3681 RICKY LN, SAINT CLOUD, FL 34772-8210
Document Number	0060030532
Book / Page	6003 / 532
Map Reference	MB 18 PG 31-36
Instrument Date	Jul 14, 2021
Instrument	2021110140
Transaction Type	Transfer
Record Updated	Jul 30, 2021
Title Company	HOMELIGHT SETTLEMENT LLC

Transaction

Amount	Amount Recorded
Tax	$2,590.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	215 WINDERMERE RD # 1, 215, OAKLAND, FL 34787-5600

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3681 RICKV LANE ST, SAINT CLOUD, FL 34772

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3681 RICKY LN, SAINT CLOUD, FL 34772-8210
Transaction Type	Mortgage
Record Updated	Mar 22, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3681 RICKY LN, SAINT CLOUD, FL 34772-8210

Mortgage

Document Number	0059030814
Date	Mar 03, 2021
Book Page	5903/814
Instrument	2021031243

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2051

June 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3681 RICKY LN, SAINT CLOUD, FL 34772-8210
Document Number	0053822154
Instrument Date	Jun 01, 2018
Transaction Type	Mortgage
Record Updated	Aug 28, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3681 RICKY LN ST CLOUD FL 347728210, ST CLOUD, FL 34772-8210

Mortgage

Document Number	0053822154
Date	Aug 10, 2018
Book Page	005382/002154
Instrument	122129

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 09, 2048

Interest

Rate Type	Fixed Rate
Rate	4%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 06, 2017
Property Address	3681 RICKY LN, SAINT CLOUD, FL 34772-8210
Document Number	0050822073
Book / Page	005082 / 002073
Instrument Date	Dec 29, 2016
Instrument	4103
Transaction Type	Transfer
Record Updated	Jan 30, 2017
Title Company	INNOVATIVE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,808.80
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3681 RICKY LN ST CLOUD FL 347728210, ST CLOUD, FL 34772-8210

Mortgage

Document Number	50822074
Date	Jan 06, 2017
Book Page	005082/002074
Instrument	4104

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 05, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

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	$6,909.00 (+5.03%)	$385,800 (-3.38%) Land $70,000 Building $315,800	$385,800 (-3.38%) Land $70,000 Building $315,800
2023	$6,578.00 (+14.64%)	$399,300 (+25.49%) Land $65,000 Building $334,300	$399,300 (+25.49%) Land $65,000 Building $334,300
2022	$5,738.00	$318,200 Land $55,000 Building $263,200	$318,200 Land $55,000 Building $263,200

Flood & Wildfire

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

Flood

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 100 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

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.

Internet Providers

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

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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