Osceola County property record for 3711 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,244 sqft · built 2016 |
| Lot Size | 0.178 acres (7,797 sqft) |
| Owner | Individual Name on File |
| Last Sale | $327,500 (Nov 2023) |
| Tax Bill | $4,895 (2025) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Jul 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 153721 |
| Primary APN | 153721 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,244 sqft Heated Area |
| Gross Area | 1,639 sqft |
| 1st Floor Area | 1,244 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 | 7,797 sqft (0.178 acres) |
| Lot Dimensions | 125 ft deep x 62.5 ft wide |
| Garage Type | Finished |
| Garage Area | 387 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153721 |
|---|---|
| Street Address | 3711 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 250 |
| 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 | 250 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 153721
Assessment roll updated July 1, 2025 · Last verified December 2025
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 | 3711 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage TD BANK NA |
| Jul 06, 2023 | Warranty Deed, Transfer OS NATIONAL LLC |
| Jan 10, 2017 | Grant Deed, Transfer · FHA Mortgage HOME SOLUTION LENDERS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 17, 2023 · Amount on Record |
| Deed Sale | Nov 17, 2023 · Amount on Record |
| Prior Sale | Jul 06, 2023 · Amount on Record |
| Deed Document Number | 2023151950 |
| Deed Book / Page | 6506 / 2962 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 17, 2023 |
| Property Address | 3711 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0065062962 |
| Book / Page | 6506 / 2962 |
| Map Reference | MB 20 PG 37-40 |
| Instrument Date | Nov 15, 2023 |
| Instrument | 2023151950 |
| Transaction Type | Transfer |
| Record Updated | Dec 07, 2023 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,292.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD # RD1600, RD1600, TEMPE, AZ 85288-7094 |
| Name | Verified Name |
|---|---|
| Address | 3711 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0065062964 |
|---|---|
| Date | Nov 17, 2023 |
| Instrument | 6506/2964 |
| Name | TD BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.25% |
| Type Change Date | Dec 01, 2028 |
| Change Frequency | 6 Months |
| Min Rate At Change | 5.25% |
| Max Rate At Change | 9.25% |
| Margin | 3 |
| Max Rate | 12.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 06, 2023 |
| Property Address | 3711 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0064361513 |
| Book / Page | 6436 / 1513 |
| Map Reference | MB 20 PG 37-40 |
| Instrument Date | Jul 03, 2023 |
| Instrument | 2023087160 |
| Transaction Type | Transfer |
| Record Updated | Jul 01, 2026 |
| Title Company | OS NATIONAL LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,257.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 588 AUBURN GROVE TER, AUBURNDALE, FL 33823-2261 |
| Name | Verified Name |
|---|---|
| Address | 410 N SCOTTSDALE RD STE 1600, 1600, TEMPE, AZ 85288-0976 |
| Investor | Possibly a Property Investor |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jan 10, 2017 |
| Property Address | 3711 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0050832404 |
| Book / Page | 005083 / 002404 |
| Instrument Date | Dec 31, 2016 |
| Instrument | 5451 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2017 |
| Title Company | INNOVATIVE TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,341.90 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3711 RICKY LN ST CLOUD FL 34772, ST CLOUD, FL 34772 |
| Document Number | 50832405 |
|---|---|
| Date | Jan 10, 2017 |
| Book Page | 005083/002405 |
| Instrument | 5452 |
| Name | HOME SOLUTION LENDERS |
|---|---|
| Type | Funding / Finance Company |
| Address | BARTOW, FL 33830 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 09, 2047 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,895.00 (+134.66%) | $273,300 (+72.97%) Land $70,000 Building $203,300 | $273,300 (-2.43%) Land $70,000 Building $203,300 |
| 2023 | $2,086.00 (+4.04%) Homeowner's exemption | $158,002 (+3%) | $280,100 (+24.93%) Land $65,000 Building $215,100 |
| 2022 | $2,005.00 Homeowner's exemption | $153,400 | $224,200 Land $55,000 Building $169,200 |
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 | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| 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.
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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