Osceola County property record for 3687 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4.5 ba · 2,854 sqft · built 2006 |
| Lot Size | 0.182 acres (7,927 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $298,000 (Feb 2018) |
| Tax Bill | $4,763 (2025) |
| Deeds & Mortgages | Feb 2024 Mortgage Feb 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0053-0001-2620 |
| Primary APN | 26-26-30-0053-0001-2620 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,854 sqft Living Area |
| Gross Area | 3,570 sqft |
| 1st Floor Area | 1,418 sqft |
| Upper Floors Area | 1,436 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2011 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,927 sqft (0.182 acres) |
| Lot Dimensions | 127 ft deep x 63 ft wide |
| Garage Type | Attached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 25 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 296 sqft |
| Deck Area | 527 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Central |
| Street Address | 3687 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 262 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 | 2620 |
| Legal Lot Number | 262 |
| 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 | 3687 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Feb 12, 2024 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Feb 7, 2018 | Warranty Deed, Transfer · Conventional Mortgage GREENTREE MORTGAGE COMPANY LP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 7, 2018 · Amount on Record |
| Deed Sale | Feb 7, 2018 · Amount on Record |
| Prior Sale | Feb 6, 2007 · Amount on Record |
| Deed Document Number | 201821100 |
| Deed Book / Page | 5282 / 470 |
| Last Transfer Date | Aug 15, 2025 |
| Transfer Doc | 0068381364 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3687 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Transaction Type | Mortgage |
| Record Updated | Feb 26, 2024 |
| Name | Verified Name |
|---|---|
| Address | 3687 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0065480127 |
|---|---|
| Date | Feb 12, 2024 |
| Book Page | 6548/127 |
| Instrument | 2024018025 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 7, 2018 |
| Property Address | 3687 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 0052820470 |
| Book / Page | 5282 / 0470 |
| Map Reference | MB18 PG31-36 |
| Instrument Date | Jan 31, 2018 |
| Instrument | 2018021100 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | PARAGON TITLE GROUP INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,086.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 687 RICKY LN, 687, SAINT CLOUD, FL 34772 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3687 RICKY LN, SAINT CLOUD, FL 34772-8210 |
| Document Number | 2018021101 |
|---|---|
| Date | Feb 7, 2018 |
| Instrument | 2018021101 |
| Name | GREENTREE MORTGAGE COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 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 | $4,763.00 (+3.45%) | $308,980 (+5.99%) | $392,800 (-3.04%) Land $70,000 Building $322,800 |
| 2024 | $4,604.00 (-37.74%) | ||
| 2023 | $7,395.00 (+2.21%) Homeowner's exemption | $291,528 (+3%) | $405,100 (+15.28%) Land $65,000 Building $340,100 |
| 2022 | $7,235.00 Homeowner's exemption | $283,037 | $351,400 Land $55,000 Building $296,400 |
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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