Osceola County property record for 3707 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,480 sqft · built 2016 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $202,800 (Jul 2016) |
| Tax Bill | $2,481 (2025) |
| Deeds & Mortgages | Mar 2022 Mortgage Apr 2018 Loan Modification |
| Flood Zone | Zone A (high risk) |
| APN | 26-26-30-0068-0001-2520 |
| Primary APN | 26-26-30-0068-0001-2520 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,480 sqft Living Area |
| Gross Area | 1,993 sqft |
| 1st Floor Area | 1,480 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 104 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3707 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 252 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 26 |
| Legal Subdivision | BRISTOL COVE AT DEER CREEK PH 2 |
| Legal Phase | 2 |
| Legal Tract | 68 |
| Legal Block | 2520 |
| Legal Lot Number | 252 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, APN 26-26-30-0068-0001-2520, as of 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 3707 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 03, 2022 | Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 06, 2018 | Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 07, 2016 · Amount on Record |
| Deed Sale | Jul 07, 2016 · Amount on Record |
| Prior Sale | Feb 04, 2016 · Amount on Record |
| Deed Document Number | 2016103476 |
| Deed Book / Page | 4988 / 2085 |
| Last Transfer Date | Feb 25, 2022 |
| Transfer Doc | 0061630293 |
| Record Updated | Jun 08, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 03, 2022 |
| Property Address | 3707 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0061630293 |
| Book / Page | 6163 / 293 |
| Map Reference | MB 20 PG 37-40 |
| Instrument Date | Feb 25, 2022 |
| Instrument | 2022034373 |
| Transaction Type | Transfer |
| Record Updated | Aug 01, 2022 |
| Title Company | ACCOMODATION, ACCOMMODATION |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 3707 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0006163296 |
|---|---|
| Date | Mar 03, 2022 |
| Instrument | 6163/296 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3707 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0053321132 |
| Instrument Date | Apr 06, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jun 08, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 3707 RICKY LN ST CLOUD FL 347728262, ST CLOUD, FL 34772-8262 |
| Document Number | 0053321132 |
|---|---|
| Date | May 11, 2018 |
| Book Page | 005332/001132 |
| Instrument | 75049 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | FORT MILL, SC 29715 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 10, 2048 |
| Rate | 3.75% |
|---|
Source: Osceola County assessment roll as of November 26, 2025 · Last verified April 2026
| 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 | $2,481.00 (+3.68%) Homeowner's exemption | $181,536 (+5.99%) | $296,300 (-2.69%) Land $70,000 Building $226,300 |
| 2024 | $2,393.00 (+2.92%) | ||
| 2023 | $2,325.00 (+3.93%) Homeowner's exemption | $171,282 (+3%) | $304,500 (+25.15%) Land $65,000 Building $239,500 |
| 2022 | $2,237.00 Homeowner's exemption | $166,294 | $243,300 Land $55,000 Building $188,300 |
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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