3721 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3721 Ricky Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 2016
Lot Size	0.178 acres (7,797 sqft)
Owner	2 Individual Names on File
Last Sale	$211,000 (Jan 2017)
Tax Bill	$5,211 (2025)
Deeds & Mortgages	Jan 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`153716`

Property Details

APN / Parcel Number

Primary APN	`153716`
Alternative APN	`262630006800012450`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,480 sqft Heated Area
Gross Area	1,993 sqft
1st Floor Area	1,480 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

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	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153716
Street Address	3721 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 245
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	245 34
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

Source: Osceola County records · APN 153716

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	2 Individual Names on File
Mailing Address	5215 S LUNA AVE, CHICAGO, IL 60638-1635
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 04, 2017 · Amount on Record
Deed Sale	Jan 04, 2017 · Amount on Record
Prior Sale	Nov 04, 2014 · Amount on Record
Deed Document Number	2017001302
Deed Book / Page	5080 / 0271
Record Updated	Jun 08, 2026

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 04, 2017
Property Address	3721 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number	0050800271
Book / Page	005080 / 000271
Instrument Date	Dec 29, 2016
Instrument	1302
Transaction Type	Transfer
Record Updated	Jan 19, 2017
Title Company	INNOVATIVE TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,477.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5215 S LUNA AVE CHICAGO IL 606381635, CHICAGO, IL 60638-1635

Mortgage

Document Number	50800272,
Date	Jan 04, 2017
Book Page	005080/000272
Instrument	1303

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 03, 2032

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$5,211.00 (+11.75%)	$296,300 (-2.69%) Land $70,000 Building $226,300	$296,300 (-2.69%) Land $70,000 Building $226,300
2023	$4,663.00 (+14.91%)	$304,500 (+25.15%) Land $65,000 Building $239,500	$304,500 (+25.15%) Land $65,000 Building $239,500
2022	$4,058.00	$243,300 Land $55,000 Building $188,300	$243,300 Land $55,000 Building $188,300

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.