3712 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3712 Ricky Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,707 sqft · built 2016
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$210,500 (Feb 2016)
Tax Bill	$2,071 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`26-26-30-0068-0001-3410`

Property Details

APN / Parcel Number

Primary APN	`26-26-30-0068-0001-3410`
Alternative APNs	`263026006800013410` `153740`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,707 sqft Living Area
Gross Area	2,413 sqft
1st Floor Area	1,707 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	7,492 sqft (0.172 acres)
Lot Dimensions	120 ft deep x 62.5 ft wide
Garage Type	Attached
Garage Area	441 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	265 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3712 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 341
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	3410
Legal Lot Number	341
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	43207

Owner

Source: Osceola County records · APN 26-26-30-0068-0001-3410

Assessment roll updated November 26, 2025 · Last verified July 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	3712 RICKY LN, SAINT CLOUD, FL 34772-8247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 11, 2016 · Amount on Record
Deed Sale	Feb 11, 2016 · Amount on Record
Prior Sale	Nov 04, 2014 · Amount on Record
Deed Document Number	201620275
Deed Book / Page	4912 / 1370
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 25, 2026
Property Address	3712 RICKY LN, SAINT CLOUD, FL 34772-8247
Document Number	0000083543
Book / Page	6993 / 2090
Instrument Date	Jun 17, 2026
Instrument	202683543
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3712 RICKY LN, SAINT CLOUD, FL 34772-8247

Mortgage

Document Number	0000083543,
Date	Jun 25, 2026
Book Page	6993/2090
Instrument	202683543

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jul 14, 2036

Interest

Rate	6.51%
Max Rate	-1%

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,071.00 (+6.97%) Homeowner's exemption	$158,618 (+5.99%)	$319,400 (-2.95%) Land $70,000 Building $249,400
2023	$1,936.00 (+4.14%) Homeowner's exemption	$149,659 (+3%)	$329,100 (+25.13%) Land $65,000 Building $264,100
2022	$1,859.00 Homeowner's exemption	$145,300	$263,000 Land $55,000 Building $208,000

Flood & Wildfire

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

Flood

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

Wildfire

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.

Internet Providers

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.

Drinking Water

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

Violations Reported to EPA

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.