Osceola County property record for 3723 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,078 sqft · built 2016 |
| Lot Size | 0.179 acres (7,797 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $367,500 (Apr 2026) |
| Tax Bill | $3,071 (2025) |
| Deeds & Mortgages | Mar 2025 Mortgage Apr 2026 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 26-26-30-0068-0001-2440 |
| Primary APN | 26-26-30-0068-0001-2440 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,078 sqft Living Area |
| Gross Area | 2,736 sqft |
| 1st Floor Area | 948 sqft |
| Upper Floors Area | 930 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Architectural Style | Conventional |
| Exterior Material | Concrete Block |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,797 sqft (0.179 acres) |
| Lot Dimensions | 125 ft deep x 62.5 ft wide |
| Garage Type | Attached |
| Garage Area | 510 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Florida Room |
| Porch Area | 348 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 3723 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 244 |
| 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 | 2440 |
| Legal Lot Number | 244 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records, as of July 6, 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 Record |
|---|---|
| Mailing Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Mar 18, 2025 | Deed of Trust, Mortgage · Closed-End Mortgage NEWREZ LLC |
| Apr 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Apr 24, 2026 | Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 24, 2026 · Amount on Record |
| Deed Sale | Apr 24, 2026 · Amount on Record |
| Prior Sale | Aug 23, 2016 · Amount on Record |
| Deed Document Number | 202654408 |
| Deed Book / Page | 6960 / 1986 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Transaction Type | Mortgage |
| Record Updated | May 6, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0067560916 |
|---|---|
| Date | Mar 18, 2025 |
| Book Page | 6756/916 |
| Instrument | 2025034022 |
| Name | NEWREZ LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Apr 1, 2045 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0000054408 |
| Book / Page | 6960 / 1986 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 2026.54408 |
| Transaction Type | Transfer |
| Record Updated | May 4, 2026 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $259,822.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0000054409, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 2026..54409 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 24, 2026 |
| Property Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0069601986 |
| Book / Page | 6960 / 1986 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 202654408 |
| Transaction Type | Transfer |
| Record Updated | Jul 6, 2026 |
| Title Company | STEWART TITLE COMPANY (BA), STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $259,822.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 3723 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0000054409, |
|---|---|
| Date | Apr 24, 2026 |
| Instrument | 202654409 |
| Name | NEWREZ LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.11% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Osceola County assessment roll, as of November 26, 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 | $3,071.00 (+3.58%) Homeowner's exemption | $214,475 (+5.99%) | $337,800 (-3.1%) Land $70,000 Building $267,800 |
| 2024 | $2,965.00 (+2.77%) | ||
| 2023 | $2,885.00 (+3.74%) Homeowner's exemption | $202,361 (+3%) | $348,600 (+24.99%) Land $65,000 Building $283,600 |
| 2022 | $2,781.00 Homeowner's exemption | $196,467 | $278,900 Land $55,000 Building $223,900 |
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 | Moderate above 65% of the US · above 42% of Florida |
|---|---|
| Wildfire Likelihood | 0.3% annual chance |
| Exposure | Indirect within ember reach |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures