Osceola County property record for 3725 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,518 sqft · built 2014 |
| Lot Size | 0.178 acres (7,797 sqft) |
| Owner | Individual Name on File |
| Last Sale | $235,000 (Mar 2020) |
| Tax Bill | $3,175 (2025) |
| Deeds & Mortgages | Jul 2021 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 153714 |
| Primary APN | 153714 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,518 sqft Heated Area |
| Gross Area | 1,906 sqft |
| 1st Floor Area | 1,518 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2014 |
|---|---|
| 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 | 380 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Patio Area | 18 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 153714 |
|---|---|
| Street Address | 3725 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 243 |
| 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 | 243 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County assessment roll, as of July 1, 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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 3725 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 20, 2021 | Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC |
| Mar 13, 2020 | Warranty Deed, Transfer · FHA Mortgage TOWN SQUARE MORTGAGE & INVESTMENTS |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 13, 2020 · Amount on Record |
| Deed Sale | Mar 13, 2020 · Amount on Record |
| Prior Sale | Jul 18, 2014 · Amount on Record |
| Deed Document Number | 0005692363 |
| Deed Book / Page | 5692 / 363 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3725 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Name | Verified Name |
|---|---|
| Address | 3725 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0060051588 |
|---|---|
| Date | Jul 20, 2021 |
| Book Page | 6005/1588 |
| Instrument | 2021112025 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 13, 2020 |
| Property Address | 3725 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0056920363 |
| Book / Page | 5692 / 363 |
| Map Reference | MB 20 PG 37-40 |
| Instrument Date | Mar 13, 2020 |
| Instrument | 2020037078 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2022 |
| Title Company | NONA TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,645.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6812 BUTTERFLY DR, 6812, HARMONY, FL 34773-6084 |
| Name | Verified Name |
|---|---|
| Address | 3725 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0056920365 |
|---|---|
| Date | Mar 13, 2020 |
| Instrument | 5692/0365 |
| Name | TOWN SQUARE MORTGAGE & INVESTMENTS |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
Source: Osceola County assessment roll, as of July 1, 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 | $3,175.00 (+6.4%) Homeowner's exemption | $220,271 (+5.99%) | $294,300 (-2.61%) Land $70,000 Building $224,300 |
| 2023 | $2,984.00 (+3.72%) Homeowner's exemption | $207,830 (+3%) | $302,200 (+25.08%) Land $65,000 Building $237,200 |
| 2022 | $2,877.00 Homeowner's exemption | $201,777 | $241,600 Land $55,000 Building $186,600 |
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 |
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 |
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