Osceola County property record for 3710 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,536 sqft · built 2016 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $230,000 (May 2019) |
| Tax Bill | $2,997 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage Aug 2019 Sale + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 153739 |
| Primary APN | 153739 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,536 sqft Heated Area |
| Gross Area | 1,985 sqft |
| 1st Floor Area | 1,536 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 | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 120 ft deep x 62.5 ft wide |
| Garage Type | Finished |
| Garage Area | 386 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 63 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153739 |
|---|---|
| Street Address | 3710 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 340 |
| 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 | 340 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2021 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, as of July 1, 2025
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 | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP |
| Aug 8, 2019 | Correction Deed ADVANTAGE INT'L TITLE LLC |
| May 10, 2019 | Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Jun 15, 2018 | Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS |
| Jun 8, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 10, 2019 · Amount on Record |
| Deed Sale | May 10, 2019 · Amount on Record |
| Prior Sale | Jun 8, 2018 |
| Deed Document Number | 0055220152 |
| Deed Book / Page | 5522 / 0152 |
| Last Transfer Date | Aug 8, 2019 |
| Transfer Doc | 0055700639 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058741450 |
|---|---|
| Date | Jan 20, 2021 |
| Book Page | 5874/1450 |
| Instrument | 2021009229 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Aug 1, 2049 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 8, 2019 |
| Property Address | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0055700639 |
| Book / Page | 005570 / 000639 |
| Instrument Date | Aug 8, 2019 |
| Instrument | 102279 |
| Record Updated | Aug 22, 2019 |
| Title Company | ADVANTAGE INT'L TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.70 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 3560 SANCTUARY DR ST CLOUD FL 347697122, ST CLOUD, FL 34769-7122 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 10, 2019 |
| Property Address | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0055220152 |
| Book / Page | 5522 / 0152 |
| Map Reference | MB 20 PG 37-40 |
| Instrument Date | May 1, 2019 |
| Instrument | 2019060244 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | ADVANTAGE INTL TTL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,610.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3817 SAN ISIDRO CIR, 3817, SAINT CLOUD, FL 34772-8377 |
| Name | Verified Name |
|---|---|
| Address | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 2019060245 |
|---|---|
| Date | May 10, 2019 |
| Instrument | 2019060245 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0053762501 |
| Instrument Date | Jun 15, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 14, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3710 RICKY LN ST CLOUD FL 347728247, ST CLOUD, FL 34772-8247 |
| Document Number | 0053762501 |
|---|---|
| Date | Aug 1, 2018 |
| Book Page | 005376/002501 |
| Instrument | 116790 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 31, 2048 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 4.87% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 8, 2018 |
| Property Address | 3710 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0053470588 |
| Book / Page | 005347 / 000588 |
| Instrument Date | May 1, 2018 |
| Instrument | 88992 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3710 RICKY LN ST CLOUD FL 347728247, ST CLOUD, FL 34772-8247 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,997.00 (+6.47%) Homeowner's exemption | $210,357 (+5.99%) | $294,200 (-2.71%) Land $70,000 Building $224,200 |
| 2023 | $2,815.00 (+3.76%) Homeowner's exemption | $198,475 (+3%) | $302,400 (+24.91%) Land $65,000 Building $237,400 |
| 2022 | $2,713.00 Homeowner's exemption | $192,695 | $242,100 Land $55,000 Building $187,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 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 |
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: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| 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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 35 |
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