Osceola County property record for 3683 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 2016 |
| Lot Size | 0.182 acres (7,971 sqft) |
| Owner | Individual Name on File |
| Last Sale | $199,100 (Oct 2016) |
| Tax Bill | $2,550 (2025) |
| Deeds & Mortgages | Feb 2024 Transfer Jan 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 141213 |
| Primary APN | 141213 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,480 sqft Heated Area |
| Gross Area | 1,993 sqft |
| 1st Floor Area | 1,480 sqft |
| Flooring | Carpet |
| 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 | 7,971 sqft (0.182 acres) |
| Lot Dimensions | 127 ft deep x 63 ft wide |
| Garage Type | Finished |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 104 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 141213 |
|---|---|
| Street Address | 3683 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 264 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 | 264 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 141213
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 | Verified Secondary Owner |
| Mailing Address | 3683 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 05, 2024 | Intrafamily Transfer, Transfer |
| Jan 22, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 13, 2016 · Amount on Record |
| Deed Sale | Oct 13, 2016 · Amount on Record |
| Prior Sale | Oct 13, 2016 · Amount on Record |
| Deed Document Number | 0050382048 |
| Deed Book / Page | 005038 / 002048 |
| Last Transfer Date | Feb 05, 2024 |
| Transfer Doc | 0065440465 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 05, 2024 |
| Property Address | 3683 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0065440465 |
| Book / Page | 6544 / 465 |
| Map Reference | MB 18 PG 31-36 |
| Instrument Date | Jan 31, 2024 |
| Instrument | 2024014350 |
| Transaction Type | Transfer |
| Record Updated | Feb 13, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3683 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Name | Verified Name |
|---|---|
| Address | 3683 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3683 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3683 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0058751185 |
|---|---|
| Date | Jan 22, 2021 |
| Book Page | 5875/1185 |
| Instrument | 2021009951 |
| Name | AMERICAN FINANCIAL NETWORK INC |
|---|---|
| Type | Funding / Finance Company |
| Address | BREA, CA 92821 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2051 |
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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,550.00 (+6.65%) Homeowner's exemption | $185,385 (+5.99%) | $298,500 (-2.77%) Land $70,000 Building $228,500 |
| 2023 | $2,391.00 (+3.91%) Homeowner's exemption | $174,914 (+3%) | $307,000 (+24.85%) Land $65,000 Building $242,000 |
| 2022 | $2,301.00 Homeowner's exemption | $169,820 | $245,900 Land $55,000 Building $190,900 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| 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 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 257 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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