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3682 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3682 Ricky Ln, Saint Cloud, FL 34772 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 2,153 sqft · built 2006
Lot Size0.186 acres (8,102 sqft)
OwnerIndividual Name on File
Last Sale$280,000 (Jul 2020)
Tax Bill$5,798 (2025)
Deeds & MortgagesOct 2021 Mortgage
May 2022 Line of Credit
+ 2 more
Flood ZoneZone X (minimal risk)
APN26-26-30-0053-0001-2890

Property Details

APN / Parcel Number

Primary APN26-26-30-0053-0001-2890
Alternative APNs
  • 263026005300012890
  • 141238

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area2,153 sqft Living Area
Gross Area2,590 sqft
1st Floor Area2,153 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area8,102 sqft (0.186 acres)
Lot Dimensions120 ft deep x 68 ft wide
Garage TypeAttached
Garage Area412 sqft
Parking Spaces2 Parking Spaces
PorchFlorida Room
Porch Area25 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3682 RICKY LN
CitySAINT CLOUD
StateFL
Zip34772-8211
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionBRISTOL COVE AT DEER CREEK PH 1 PB 18 PG 31-36 LOT 289 LYING IN 27 & 34-26-30
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionBRISTOL COVE AT DEER CREEK PH 1
Legal Phase1
Legal Tract53
Legal Block2890
Legal Lot Number289
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2035
Census Tract43207

Owner

Source: Osceola County records · APN 26-26-30-0053-0001-2890

Assessment roll updated November 26, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on File
Mailing Address3968 MAGENTA PL, SAINT CLOUD, FL 34772-6410
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 11, 2021Deed of Trust, Mortgage · Conventional Mortgage
HOME POINT FINANCIAL CORPORATION
May 17, 2022Deed of Trust, Mortgage · Line of Credit
ADDITION FINANCIAL CU
Jul 17, 2020Special Warranty Deed, Transfer · FHA Mortgage
HOME POINT FINANCIAL CORPORATION
Jul 14, 2017Warranty Deed, Transfer · FHA Mortgage
STEARNS LNDG

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 17, 2020 · Amount on Record
Deed SaleJul 17, 2020 · Amount on Record
Prior SaleJul 14, 2017 · Amount on Record
Deed Document Number202093910
Deed Book / Page5757 / 744
Prior Transfer DateJul 16, 2020
Prior Transfer Doc0057570744
Record UpdatedJun 08, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211
Transaction TypeMortgage
Record UpdatedAug 01, 2022

Transferred To (Grantee/Buyer)

NameVerified Name
Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211

Mortgage

Document Number0060622540
DateOct 11, 2021
Book Page6062/2540
Instrument2021157926
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
AddressPARSIPPANY, NJ 07054
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2051

May 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211
Transaction TypeMortgage
Record UpdatedAug 01, 2022
Title CompanyPRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211

Mortgage

Document Number0062150400
DateMay 17, 2022
Book Page6215/400
Instrument2022077428
Lender
NameADDITION FINANCIAL CU
TypeCredit Union
AddressLAKE MARY, FL 32746
Agreement
TypeLine of Credit
AmountAmount Recorded
Term420 Months
DueMay 16, 2057
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly

July 2020: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 17, 2020
Property Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211
Document Number0057570744
Book / Page5757 / 744
Map ReferenceMB 18 PG 31-36
Instrument DateJul 16, 2020
Instrument2020093910
Transaction TypeTransfer
Record UpdatedAug 01, 2022
Title CompanyTCA TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,960.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211

Mortgage

Document Number0005757747
DateJul 17, 2020
Instrument5757/747
Lender
NameHOME POINT FINANCIAL CORPORATION
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term361 Months
DueAug 01, 2050

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 14, 2017
Property Address3682 RICKY LN, SAINT CLOUD, FL 34772-8211
Document Number0051790725
Book / Page005179 / 000725
Instrument DateJun 30, 2017
Instrument102529
Transaction TypeTransfer
Record UpdatedAug 11, 2017
Title CompanyLA ROSA TITLE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,645.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2103 BOCA PALMS CIR KISSIMMEE FL 347414310, KISSIMMEE, FL 34741-4310

Mortgage

Document Number51790727
DateJul 14, 2017
Book Page005179/000727
Instrument102530
Lender
NameSTEARNS LNDG
AddressSANTA ANA, CA 92707-8788
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 13, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$5,798.00 (+6.58%)$328,300 (-3.1%) Land $70,000 Building $258,300$328,300 (-3.1%) Land $70,000 Building $258,300
2024$5,440.00 (+4.74%)
2023$5,194.00 (+14.94%)$338,800 (+25.25%) Land $65,000 Building $273,800$338,800 (+25.25%) Land $65,000 Building $273,800
2022$4,519.00$270,500 Land $55,000 Building $215,500$270,500 Land $55,000 Building $215,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone A, within 500 ft

Wildfire

Wildfire RiskModerate
above 61% of the US · above 34% of Florida
Wildfire LikelihoodAbout 1 in 610 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values are read at the parcel center point; lenders make the official flood determination.

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