Osceola County property record for 3708 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,244 sqft · built 2017 |
| Lot Size | 0.245 acres (10,672 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,717 (2025) |
| Deeds & Mortgages | Mar 2020 Mortgage Mar 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0068-0001-3390 |
| Primary APN | 26-26-30-0068-0001-3390 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,244 sqft Living Area |
| Gross Area | 1,639 sqft |
| 1st Floor Area | 1,244 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 10,672 sqft (0.245 acres) |
| Garage Type | Attached |
| Garage Area | 387 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Finished/Open Porch |
| Patio Area | 15 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3708 RICKY LN |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-8247 |
| 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 339 |
| 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 | 3390 |
| Legal Lot Number | 339 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 43207 |
Source: Osceola County records · APN 26-26-30-0068-0001-3390
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 | 2721 KINSEY DR, KISSIMMEE, FL 34746-3190 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 03, 2020 | Quit Claim Deed, Transfer · FHA Mortgage GOODMORTGAGE.COM |
| Mar 29, 2017 | Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 03, 2020 |
| Deed Sale | Mar 03, 2020 |
| Prior Sale | Mar 29, 2017 · Amount on Record |
| Deed Document Number | 202030594 |
| Deed Book / Page | 5684 / 1816 |
| Prior Transfer Date | Feb 24, 2020 |
| Prior Transfer Doc | 0056841816 |
| Record Updated | Jun 08, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 03, 2020 |
| Property Address | 3708 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0056841816 |
| Book / Page | 005684 / 001816 |
| Instrument Date | Feb 24, 2020 |
| Instrument | 30594 |
| Transaction Type | Transfer |
| Record Updated | May 22, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3708 RICKY LN ST CLOUD FL 347728247, ST CLOUD, FL 34772-8247 |
| Document Number | 56841819 |
|---|---|
| Date | Mar 03, 2020 |
| Book Page | 005684/001819 |
| Instrument | 30595 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 02, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 29, 2017 |
| Property Address | 3708 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0051232141 |
| Book / Page | 005123 / 002141 |
| Instrument Date | Mar 24, 2017 |
| Instrument | 47929 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2017 |
| Title Company | INNOVATIVE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,341.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3708 RICKY LN ST CLOUD FL 34772, ST CLOUD, FL 34772 |
| Document Number | 51232142 |
|---|---|
| Date | Mar 29, 2017 |
| Book Page | 005123/002142 |
| Instrument | 47930 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 28, 2047 |
Source: Osceola County records · Assessment roll updated 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 | $2,717.00 (+3.66%) Homeowner's exemption | $194,680 (+5.99%) | $278,800 (-2.48%) Land $70,000 Building $208,800 |
| 2024 | $2,621.00 (+2.82%) | ||
| 2023 | $2,549.00 (+3.87%) Homeowner's exemption | $183,684 (+3%) | $285,900 (+24.74%) Land $65,000 Building $220,900 |
| 2022 | $2,454.00 Homeowner's exemption | $178,334 | $229,200 Land $55,000 Building $174,200 |
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
| 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 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 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.
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 |
| 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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