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3705 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3705 Ricky Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,707 sqft · built 2016
Lot Size0.284 acres (12,371 sqft)
Owner2 Individual Names on Record
Last Sale$359,900 (Jun 2026)
Tax Bill$4,327 (2025)
Deeds & MortgagesAug 2023 Reverse Mortgage
Jun 2026 Sale & Mortgage
+ 3 more
Flood ZoneZone A (high risk)
APN26-26-30-0068-0001-2530

Property Details

APN / Parcel Number

Primary APN26-26-30-0068-0001-2530
Alternative APNs
  • 263026006800012530
  • 153724

Interior

Bedrooms4 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,707 sqft Living Area
Gross Area2,413 sqft
1st Floor Area1,707 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area12,371 sqft (0.284 acres)
Garage TypeAttached
Garage Area441 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area265 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3705 RICKY LN
CitySAINT CLOUD
StateFL
Zip34772-8262
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionBRISTOL COVE AT DEER CREEK PH 2 PB 20 PG 37-40 LOT 253
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionBRISTOL COVE AT DEER CREEK PH 2
Legal Phase2
Legal Tract68
Legal Block2530
Legal Lot Number253
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2012
Census Tract43207

Owner

Source: Osceola County records, as of June 11, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address3013 MARTA CIR, 205, KISSIMMEE, FL 34741-0752
Owner TypeIndividual
VestingTenants in Common

Deeds, Mortgages & Sale History

DateDocument
Aug 24, 2023Deed of Trust, Mortgage · Reverse Mortgage
FINANCE OF AMERICA REVERSE LLC
Jun 1, 2026Warranty Deed, Transfer · FHA Mortgage
HARTFORD FUNDING
Jun 1, 2026Warranty Deed, Transfer · FHA Mortgage
HARTFORD FUNDING
Oct 28, 2025Special Warranty Deed, Transfer
LANDMARK ABSTRACT AGENCY LLC
Aug 24, 2023Deed of Trust, Mortgage · Reverse Mortgage
FINANCE OF AMERICA REVERSE LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 1, 2026 · Amount on Record
Deed SaleJun 1, 2026 · Amount on Record
Prior SaleMar 9, 2016 · Amount on Record
Deed Document Number202670871
Deed Book / Page6979 / 1048
Prior Transfer DateSep 21, 2025
Prior Transfer Doc0068711994
Record UpdatedOct 29, 2026

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262
Transaction TypeMortgage
Record UpdatedJun 17, 2026

Transferred To (Grantee/Buyer)

NameVerified Name
Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262

Mortgage

Document Number0064632312
DateAug 24, 2023
Book Page6463/2312
Instrument2023112038
Lender
NameFINANCE OF AMERICA REVERSE LLC
TypeReverse Mortgage Lender
AddressTULSA, OK 74133
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term874 Months
DueJun 2, 2096
Interest
Rate TypeAdjustable Rate
Rate7.62%
AdjustableAdjustable Rate Rider
Type Change DateOct 1, 2023
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate12.6%

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 1, 2026
Property Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number0000070871
Book / Page6979 / 1048
Instrument DateApr 30, 2026
Instrument202670871
Transaction TypeTransfer
Record UpdatedJun 11, 2026
Title CompanyHARMONY LIFESTYLE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$254,449.30
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common

Mortgage

Document Number0000070872,
DateJun 1, 2026
Instrument202670872
Lender
NameHARTFORD FUNDING
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Rate6.3%
Max Rate-1%

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 1, 2026
Property Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number0069791048
Book / Page6979 / 1048
Instrument DateApr 30, 2026
Instrument202670871
Transaction TypeTransfer
Record UpdatedAug 25, 2026
Title CompanyHARMONY TITLE LLC, HARMONY LIFESTYLE TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$254,449.30
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common

Mortgage

Document Number0000070872,
DateJun 1, 2026
Instrument202670872
Lender
NameHARTFORD FUNDING
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 1, 2056
Interest
Max Rate-1%

October 2025: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 28, 2025
Property Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number0068711994
Book / Page6871 / 1994
Map ReferenceMB 20 PG 37-40
Instrument DateOct 21, 2025
Instrument2025133423
Transaction TypeTransfer
Record UpdatedNov 7, 2025
Title CompanyLANDMARK ABSTRACT AGENCY LLC

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262

August 2023: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262
Transaction TypeMortgage
Record UpdatedSep 13, 2023

Transferred To (Grantee/Buyer)

NameVerified Name
Address3705 RICKY LN, SAINT CLOUD, FL 34772-8262

Mortgage

Document Number0064632312
DateAug 24, 2023
Book Page6463/2312
Instrument2023112038
Lender
NameFINANCE OF AMERICA REVERSE LLC
TypeReverse Mortgage Lender
AddressTULSA, OK 74133
Agreement
TypeReverse Mortgage
AmountAmount Recorded
Term874 Months
DueJun 2, 2096
Interest
Rate TypeAdjustable Rate
Rate7.62%
AdjustableAdjustable Rate Rider
Type Change DateOct 1, 2023
Change FrequencyMonthly
Index1-Year T-Bill
Max Rate12.6%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$4,327.00 (+2.27%)$195,612 (+2.9%)$319,200 (-1.24%) Land $70,000 Building $249,200
2024$4,231.00 (+1.76%) Homeowner's exemption$190,100 (+3%)$323,200 (-1.73%) Land $67,000 Building $256,200
2023$4,158.00 Homeowner's exemption$184,564$328,900 Land $65,000 Building $263,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone A
high risk
100-Year FloodplainYes
1% annual chance
FloodwayNo
Base Flood ElevationNot determined for this zone
Flood Insurance RequirementRequired
federally backed loans
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 76% of the US · above 63% of Florida
Wildfire Likelihood0.4% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people · EPA ID FL3491373
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35

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