Osceola County property record for 3703 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,038 sqft · built 2016 |
| Lot Size | 0.267 acres (11,631 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,610 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone A (high risk) |
| APN | 153725 |
| Primary APN | 153725 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,038 sqft Heated Area |
| Gross Area | 2,782 sqft |
| 1st Floor Area | 2,038 sqft |
| Flooring | Tile |
| 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 | 11,631 sqft (0.267 acres) |
| Garage Type | Finished |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 304 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153725 |
|---|---|
| Street Address | 3703 RICKY LN |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8262 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SPUD |
| Legal Description | BRISTOL COVE AT DEER CREEK PH 2 PB 20 PG 37-40 LOT 254 |
| 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 | 254 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, APN 153725, as of 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 |
|---|---|
| Mailing Address | 3703 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 03, 2020 | Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC |
| Mar 28, 2018 | Warranty Deed, Transfer · FHA Mortgage COLUMBUS CAP LNDG |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 22, 2021 |
| Deed Sale | Jun 22, 2021 |
| Prior Sale | Jun 09, 2016 · Amount on Record |
| Deed Document Number | 0005991369 |
| Deed Book / Page | 5308 / 0251 |
| Prior Transfer Date | Mar 28, 2018 |
| Prior Transfer Doc | 2018049410 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3703 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | MIS |
| Name | Verified Name |
|---|
| Document Number | 0057671364 |
|---|---|
| Date | Aug 03, 2020 |
| Book Page | 5767/1364 |
| Instrument | 2020101295 |
| Name | PLANET HOME LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MERIDEN, CT 06450 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 28, 2018 |
| Property Address | 3703 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0053080251 |
| Book / Page | 005308 / 000251 |
| Instrument Date | Mar 23, 2018 |
| Instrument | 49410 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2018 |
| Title Company | FIDELITY NATIONAL TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,749.30 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3703 RICKY LN ST CLOUD FL 347728262, ST CLOUD, FL 34772-8262 |
| Document Number | 53080253 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 005308/000253 |
| Instrument | 49411 |
| Name | COLUMBUS CAP LNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | MIAMI, FL 33173 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 27, 2048 |
Source: Osceola County assessment roll as of 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 | $3,610.00 (+6.27%) Homeowner's exemption | $244,588 (+5.99%) | $344,500 (-3.09%) Land $70,000 Building $274,500 |
| 2023 | $3,397.00 (+3.63%) Homeowner's exemption | $230,772 (+3%) | $355,500 (+25.4%) Land $65,000 Building $290,500 |
| 2022 | $3,278.00 Homeowner's exemption | $224,051 | $283,500 Land $55,000 Building $228,500 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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 | High above 76% of the US · above 63% of Florida |
|---|---|
| Wildfire Likelihood | 0.4% 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, 257 locations within half a mile, 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 |
Source: EPA Safe Drinking Water Information System, water system FL3491373, 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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