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3720 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3720 Ricky Ln, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details4 bd · 3 ba · 2,315 sqft · built 2016
Lot Size0.172 acres (7,492 sqft)
OwnerIndividual Name on File
Last Sale$259,900 (Jul 2017)
Tax Bill$3,965 (2025)
Deeds & MortgagesMay 2020 Mortgage
Dec 2018 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN26-26-30-0068-0001-3450

Property Details

APN / Parcel Number

Primary APN26-26-30-0068-0001-3450
Alternative APNs
  • 263026006800013450
  • 153744

Interior

Bedrooms4 Beds
Full Baths3 Baths
Stories1 Story
Building Area2,315 sqft Living Area
Gross Area3,207 sqft
1st Floor Area2,315 sqft
FlooringTile
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 2016
Effective Year BuiltEffective 2016
Architectural StyleConventional
Exterior MaterialConcrete Block
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area7,492 sqft (0.172 acres)
Lot Dimensions120 ft deep x 62.5 ft wide
Garage TypeAttached
Garage Area709 sqft
Parking Spaces2 Parking Spaces
PorchFinished/Open Porch
Porch Area183 sqft

Utilities, Heating & Cooling

Cooling SystemPackage A/C
Heating SystemHVAC

Location & Zoning

Street Address3720 RICKY LN
CitySAINT CLOUD
StateFL
Zip34772-8247
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeSPUD
Legal DescriptionBRISTOL COVE AT DEER CREEK PH 2 PB 20 PG 37-40 LOT 345
Legal Range30E
Legal Township26S
Legal Section26
Legal SubdivisionBRISTOL COVE AT DEER CREEK PH 2
Legal Phase2
Legal Tract68
Legal Block3450
Legal Lot Number345
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2021
Census Tract43207

Owner

Source: Osceola County assessment roll, APN 26-26-30-0068-0001-3450, as of 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 RecordIndividual Name on File
Mailing Address3720 RICKY LN, SAINT CLOUD, FL 34772-8247
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
May 22, 2020Deed of Trust, Mortgage · FHA Mortgage
GOODMORTGAGE.COM
Dec 12, 2018Quit Claim Deed, Transfer
Quitclaim
Jul 12, 2017Warranty Deed, Transfer · FHA Mortgage
RESIDENTIAL ACCPTNC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJul 12, 2017 · Amount on Record
Deed SaleJul 12, 2017 · Amount on Record
Prior SaleApr 11, 2016 · Amount on Record
Deed Document Number2017101627
Deed Book / Page5178 / 1289
Last Transfer DateJun 27, 2022
Transfer Doc0000110333
Record UpdatedSep 20, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address3720 RICKY LN, SAINT CLOUD, FL 34772-8247
Document Number0057300352
Instrument DateMay 22, 2020
Transaction TypeMortgage
Record UpdatedJul 23, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address3720 RICKY LANE SAINT CLOUD #3 ST CLOUD FL 34772, 3, ST CLOUD, FL 34772

Mortgage

Document Number0057300352
DateJun 01, 2020
Book Page005730/000352
Instrument70236
Lender
NameGOODMORTGAGE.COM
TypeMortgage Company
AddressPLANO, TX 75024
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueMay 31, 2050

December 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOSCEOLA FL
Recording DateDec 12, 2018
Property Address3720 RICKY LN, SAINT CLOUD, FL 34772-8247
Document Number0054481348
Book / Page005448 / 001348
Instrument DateDec 12, 2018
Instrument182039
Transaction TypeTransfer
Record UpdatedJan 02, 2019

Transaction

AmountAmount Recorded
Tax$0.70
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3720 RICKY LN ST CLOUD FL 347728247, ST CLOUD, FL 34772-8247

July 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJul 12, 2017
Property Address3720 RICKY LN, SAINT CLOUD, FL 34772-8247
Document Number0051781289
Book / Page005178 / 001289
Instrument DateMay 25, 2017
Instrument101627
Transaction TypeTransfer
Record UpdatedAug 07, 2017
Title CompanyOLIVER TITLE LAW

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,819.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address3720 RICKY LN ST CLOUD FL 347728247, ST CLOUD, FL 34772-8247

Mortgage

Document Number51781291
DateJul 12, 2017
Book Page005178/001291
Instrument101628
Lender
NameRESIDENTIAL ACCPTNC
AddressTAMPA, FL 33607
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueJul 11, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll as of November 26, 2025 · Last verified August 2026

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola 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.

YearTax BillAssessed ValueAssessed Market Value
2025$3,965.00 (+3.55%) Homeowner's exemption Disabled Person's exemption$269,432 (+5.99%)$379,400 (-3.34%) Land $70,000 Building $309,400
2024$3,829.00 (+2.68%)
2023$3,729.00 (+1.36%) Homeowner's exemption Disabled Person's exemption$254,213 (+3%)$392,500 (+25.6%) Land $65,000 Building $327,500
2022$3,679.00 Homeowner's exemption Disabled Person's exemption$246,809$312,500 Land $55,000 Building $257,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 66 policies
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies66 in force
Nearby Flood Claims2 (2017–2024)
Claims Outside the SFHA1 of 2
Most Recent ClaimOct 2024 · Hurricane Milton

Wildfire

Wildfire RiskModerate
above 65% of the US · above 42% of Florida
Wildfire Likelihood0.3% annual chance
ExposureIndirect
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, 257 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
AT&T
Fiber		5,000 / 5,000
Spectrum
Cable		1,000 / 35

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemST. CLOUD, CITY OF (3 WPS)
serves 82,752 people
Water SourceGroundwater
Last State InspectionJul 2025
Lead2 ppb (2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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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