3697 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3697 Ricky Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 2016
Lot Size	0.18 acres (7,884 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Dec 2023)
Tax Bill	$4,988 (2025)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`153728`

Property Details

APN / Parcel Number

Primary APN	`153728`
Alternative APN	`262630006800012570`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Heated Area
Gross Area	2,413 sqft
1st Floor Area	1,707 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	7,884 sqft (0.18 acres)
Lot Dimensions	126 ft deep x 62.5 ft wide
Garage Type	Finished
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153728
Street Address	3697 RICKY LN
City	SAINT CLOUD
State	FL
Zip	34772-8210
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRISTOL COVE AT DEER CREEK PH 2 PB 20 PG 37-40 LOT 257
Legal Range	30E
Legal Township	26S
Legal Section	26
Legal Subdivision	BRISTOL COVE AT DEER CREEK PHASE 1 - 3
Legal Phase	2
Legal Tract	68
Legal Block	1
Legal Lot Number	257 34
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 153728

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	3697 RICKY LN, SAINT CLOUD, FL 34772-8210
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 29, 2023 · Amount on Record
Deed Sale	Dec 29, 2023 · Amount on Record
Prior Sale	Mar 02, 2016 · Amount on Record
Deed Document Number	2023168967
Deed Book / Page	6526 / 2205
Record Updated	Jun 08, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 29, 2023
Property Address	3697 RICKY LN, SAINT CLOUD, FL 34772-8210
Document Number	0065262205
Book / Page	6526 / 2205
Map Reference	MB 20 PG 37-40
Instrument Date	Dec 26, 2023
Instrument	2023168967
Transaction Type	Transfer
Record Updated	Jan 16, 2024
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,660.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2727 SAFFRON DR, ORLANDO, FL 32837-9552

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3697 RICKY LN, SAINT CLOUD, FL 34772-8210

Mortgage

Document Number	0065262207
Date	Dec 29, 2023
Instrument	6526/2207

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2054

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,988.00 (+94.46%) Homeowner's exemption	$321,600 (+74.25%) Land $70,000 Building $251,600	$321,600 (-2.22%) Land $70,000 Building $251,600
2023	$2,565.00 (+3.85%) Homeowner's exemption	$184,564 (+3%)	$328,900 (+25.39%) Land $65,000 Building $263,900
2022	$2,470.00 Homeowner's exemption	$179,189	$262,300 Land $55,000 Building $207,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 66 individual NFIP policies nearby
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, other causes, Hurricane Milton

Wildfire

Wildfire Risk	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	About 1 in 242 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.