3689 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3689 Ricky Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	6 bd · 4 ba · 2,854 sqft · built 2006
Lot Size	0.182 acres (7,927 sqft)
Owner	Individual Name on File
Last Sale	$145,600 (Jan 2013)
Tax Bill	$6,461 (2025)
Deeds & Mortgages	Oct 2025 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0053-0001-2610`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0053-0001-2610`
Alternative APNs	`263026005300012610` `141210`

Interior

Bedrooms	6 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	2,854 sqft Living Area
Gross Area	3,330 sqft
1st Floor Area	1,418 sqft
Upper Floors Area	1,436 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
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
Porch	Finished/Open Porch
Porch Area	56 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	3689 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 261 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	2610
Legal Lot Number	261
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 26-26-30-0053-0001-2610

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 Record	Individual Name on File
Mailing Address	3689 RICKY LN, SAINT CLOUD, FL 34772-8210
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 02, 2013 · Amount on Record
Deed Sale	Jan 02, 2013 · Amount on Record
Prior Sale	Oct 19, 2006 · Amount on Record
Deed Document Number	2013107
Deed Book / Page	4374 / 218
Last Transfer Date	Sep 25, 2025
Transfer Doc	0068592744
Record Updated	Jun 08, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Oct 06, 2025
Property Address	3689 RICKY LN, SAINT CLOUD, FL 34772-8210
Document Number	0068592744
Book / Page	6859 / 2744
Map Reference	MB 18 PG 31
Instrument Date	Sep 25, 2025
Instrument	2025123283
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PANDORA 9, GLYFADA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3689 RICKY LN, SAINT CLOUD, FL 34772-8210

Mortgage

Document Number	0068592748
Date	Oct 06, 2025
Instrument	6859/2748

Lender

Name	CITADEL SERVICING CORPORATION
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Oct 01, 2065

Tax Assessment & Valuation

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

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	$6,461.00 (+2.59%)	$360,800 (-1.42%) Land $70,000 Building $290,800	$360,800 (-1.42%) Land $70,000 Building $290,800
2024	$6,298.00 (+4.95%)	$366,000 (-1.88%) Land $67,000 Building $299,000	$366,000 (-1.88%) Land $67,000 Building $299,000
2023	$6,001.00 (+11.96%)	$373,000 (+16.2%) Land $65,000 Building $308,000	$373,000 (+16.2%) Land $65,000 Building $308,000
2022	$5,360.00	$321,000 Land $55,000 Building $266,000	$321,000 Land $55,000 Building $266,000

Flood & Wildfire

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

Flood

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

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.

Internet Providers

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.

Drinking Water

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

Violations Reported to EPA

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.