Osceola County property record for 3728 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,585 sqft · built 2007 |
| Lot Size | 0.171 acres (7,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $310,800 (Dec 2007) |
| Tax Bill | $3,383 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Feb 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 153748 |
| Primary APN | 153748 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,585 sqft Heated Area |
| Gross Area | 3,176 sqft |
| 1st Floor Area | 1,175 sqft |
| Upper Floors Area | 1,410 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2007 |
|---|---|
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 7,492 sqft (0.171 acres) |
| Lot Dimensions | 120 ft deep x 62.5 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Area | 240 sqft |
|---|---|
| Porch | Open Porch |
| Porch Area | 171 sqft |
| Deck Area | 330 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 153748 |
|---|---|
| Street Address | 3728 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 349 |
| 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 | 349 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2021 |
| 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 | 3728 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 29, 2025 | Deed of Trust, Mortgage · Line of Credit GOODLEAP LC |
| Feb 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage GOODLEAP LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 17, 2007 · Amount on Record |
| Deed Sale | Dec 17, 2007 · Amount on Record |
| Deed Document Number | 2007221177 |
| Deed Book / Page | 3611 / 0507 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3728 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Transaction Type | Mortgage |
| Record Updated | Jan 9, 2026 |
| Name | Verified Name |
|---|---|
| Address | 3728 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0068990338 |
|---|---|
| Date | Dec 29, 2025 |
| Book Page | 6899/338 |
| Instrument | 2025157374 |
| Name | GOODLEAP LC |
|---|---|
| Type | Mortgage Company |
| Address | ROSEVILLE, CA 95661 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Jan 6, 2046 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 3728 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Transaction Type | Mortgage |
| Record Updated | Mar 2, 2022 |
| Name | Verified Name |
|---|---|
| Address | 3728 RICKY LN, SAINT CLOUD, FL 34772-8247 |
| Document Number | 0061521422 |
|---|---|
| Date | Feb 16, 2022 |
| Book Page | 6152/1422 |
| Instrument | 2022026425 |
| Name | GOODLEAP LLC |
|---|---|
| Type | Non-Lending Institution |
| Address | ROSEVILLE, CA 95661 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2052 |
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 | $3,383.00 (+6.32%) Homeowner's exemption | $231,933 (+5.99%) | $375,000 (-3.2%) Land $70,000 Building $305,000 |
| 2023 | $3,182.00 (+3.68%) Homeowner's exemption | $218,833 (+3%) | $387,400 (+24.61%) Land $65,000 Building $322,400 |
| 2022 | $3,069.00 Homeowner's exemption | $212,460 | $310,900 Land $55,000 Building $255,900 |
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 |
|---|---|
| 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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