Osceola County property record for 3688 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,536 sqft · built 2017 |
| Lot Size | 0.185 acres (8,102 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (Jul 2020) |
| Tax Bill | $5,250 (2025) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage May 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 141241 |
| Primary APN | 141241 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,536 sqft Heated Area |
| Gross Area | 2,105 sqft |
| 1st Floor Area | 1,536 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 8,102 sqft (0.185 acres) |
| Garage Type | Finished |
| Garage Area | 386 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 183 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 141241 |
|---|---|
| Street Address | 3688 RICKY LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8211 |
| 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 292 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 | 292 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, as of July 1, 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 File |
|---|---|
| Mailing Address | 3688 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 16, 2020 | Warranty Deed, Transfer · FHA Mortgage ALTERRA HM LNS |
| May 4, 2017 | Warranty Deed, Transfer · FHA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 16, 2020 · Amount on Record |
| Deed Sale | Jul 16, 2020 · Amount on Record |
| Prior Sale | May 4, 2017 · Amount on Record |
| Deed Document Number | 2020092944 |
| Deed Book / Page | 5755 / 2823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 16, 2020 |
| Property Address | 3688 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0057552823 |
| Book / Page | 005755 / 002823 |
| Instrument Date | Jul 8, 2020 |
| Instrument | 92944 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2020 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NAT'L TITLE/FL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,750.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3688 RICKY LN ST CLOUD FL 347728211, ST CLOUD, FL 34772-8211 |
| Document Number | 57552825 |
|---|---|
| Date | Jul 16, 2020 |
| Book Page | 005755/002825 |
| Instrument | 92945 |
| Name | ALTERRA HM LNS |
|---|---|
| Address | LAS VEGAS, NV 89145 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 15, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 4, 2017 |
| Property Address | 3688 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0051422897 |
| Book / Page | 5142 / 2897 |
| Map Reference | MB18 PG31-36 |
| Instrument Date | Apr 28, 2017 |
| Instrument | 2017066258 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | INNOVATIVE TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,484.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3020 S FLORIDA AVE STE 101, 3020, LAKELAND, FL 33803-4058 |
| Name | Verified Name |
|---|---|
| Address | 3688 RICKY LN, SAINT CLOUD, FL 34772-8211 |
| Document Number | 0051422898 |
|---|---|
| Date | May 4, 2017 |
| Instrument | 5142/2898 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2047 |
Source: Osceola County assessment roll, as of July 1, 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 | $5,250.00 (+11.75%) | $298,700 (-2.67%) Land $70,000 Building $228,700 | $298,700 (-2.67%) Land $70,000 Building $228,700 |
| 2023 | $4,698.00 (+14.87%) | $306,900 (+25.01%) Land $65,000 Building $241,900 | $306,900 (+25.01%) Land $65,000 Building $241,900 |
| 2022 | $4,090.00 | $245,500 Land $55,000 Building $190,500 | $245,500 Land $55,000 Building $190,500 |
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 500 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 |
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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