3709 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3709 Ricky Ln, Saint Cloud, FL 34772 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 2016
Lot Size	0.195 acres (8,494 sqft)
Owner	Individual Name on File
Last Sale	$355,000 (Mar 2025)
Tax Bill	$2,676 (2025)
Deeds & Mortgages	May 2018 Loan Modification Jan 2017 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`26-26-30-0068-0001-2510`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0068-0001-2510`
Alternative APNs	`263026006800012510` `153722`

Interior

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

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	8,494 sqft (0.195 acres)
Garage Type	Attached
Garage Area	387 sqft
Parking Spaces	1 Parking Space
Porch	Finished/Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3709 RICKY LN
City	SAINT CLOUD
State	FL
Zip	34772-8262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRISTOL COVE AT DEER CREEK PH 2 PB 20 PG 37-40 LOT 251
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	2510
Legal Lot Number	251
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 26-26-30-0068-0001-2510

Assessment roll updated November 26, 2025 · Last verified August 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	3709 RICKY LN, SAINT CLOUD, FL 34772-8262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 02, 2018	Loan Modification, Mortgage · Conventional with PMI PLANET HM LNDG
Jan 25, 2017	Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 20, 2025 · Amount on Record
Deed Sale	Mar 20, 2025 · Amount on Record
Prior Sale	Jan 25, 2017 · Amount on Record
Deed Document Number	202535403
Deed Book / Page	6757 / 2269
Record Updated	Sep 20, 2026

May 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3709 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number	0053422386
Instrument Date	May 02, 2018
Transaction Type	Mortgage
Record Updated	Jun 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3709 RICKY LN ST CLOUD FL 347728262, ST CLOUD, FL 34772-8262

Mortgage

Document Number	0053422386
Date	Jun 01, 2018
Book Page	005342/002386
Instrument	84900

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 31, 2048

Interest

Rate	4.12%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 25, 2017
Property Address	3709 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number	0050910317
Book / Page	005091 / 000317
Instrument Date	Jan 20, 2017
Instrument	13681
Transaction Type	Transfer
Record Updated	Feb 14, 2017
Title Company	INNOVATIVE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,344.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3709 RICKY LN ST CLOUD FL 347728262, ST CLOUD, FL 34772-8262

Mortgage

Document Number	50910318
Date	Jan 25, 2017
Book Page	005091/000318
Instrument	13682

Lender

Name	HOME SOLUTION LENDERS
Type	Funding / Finance Company
Address	BARTOW, FL 33830

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 24, 2047

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified August 2026

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	$2,676.00 (+6.61%)	$192,420 (+5.99%)	$275,900 (-2.51%) Land $70,000 Building $205,900
2023	$2,510.00 (+3.85%) Homeowner's exemption	$181,552 (+3%)	$283,000 (+24.51%) Land $65,000 Building $218,000
2022	$2,417.00 Homeowner's exemption	$176,265	$227,300 Land $55,000 Building $172,300

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	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 389 per year
Exposure	Indirect within ember reach

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.

Mobile Coverage

5G and 4G LTE

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