Osceola County property record for 3729 Ricky Ln, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,519 sqft · built 2007 |
| Lot Size | 0.178 acres (7,797 sqft) |
| Owner | Individual Name on File |
| Last Sale | $300,000 (Aug 2020) |
| Tax Bill | $4,065 (2025) |
| Deeds & Mortgages | Aug 2020 Sale & Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 153712 |
| Primary APN | 153712 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,519 sqft Heated Area |
| Gross Area | 3,109 sqft |
| 1st Floor Area | 1,175 sqft |
| Upper Floors Area | 1,344 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 | 7,797 sqft (0.178 acres) |
| Lot Dimensions | 125 ft deep x 62.5 ft wide |
| Garage Type | Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 170 sqft |
| Fence | Fence |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Account Number | 153712 |
|---|---|
| Street Address | 3729 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 241 |
| 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 | 241 34 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 43207 |
Source: Osceola County records · APN 153712
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 | Individual Name on File |
|---|---|
| Mailing Address | 3729 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2020 | Warranty Deed, Transfer · VA Mortgage AMERIFIRST FINANCIAL CORP |
| Jul 23, 2018 | Warranty Deed, Transfer · Conventional Mortgage HOME 1ST LENDING LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 31, 2020 · Amount on Record |
| Deed Sale | Aug 31, 2020 · Amount on Record |
| Prior Sale | Jul 23, 2018 · Amount on Record |
| Deed Document Number | 2020114904 |
| Deed Book / Page | 5784 / 338 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 31, 2020 |
| Property Address | 3729 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0057840338 |
| Book / Page | 5784 / 338 |
| Map Reference | MB 20 PG 37-40 |
| Instrument Date | Aug 19, 2020 |
| Instrument | 2020114904 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,100.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1021 TALBOTVILLE RD, 1021, HONEY BROOK, PA 19344-1753 |
| Name | Verified Name |
|---|---|
| Address | 3729 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0005784340 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 5784/340 |
| Name | AMERIFIRST FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 23, 2018 |
| Property Address | 3729 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 0053711441 |
| Book / Page | 5371 / 1441 |
| Map Reference | MB20 PG37-40 |
| Instrument Date | Jul 18, 2018 |
| Instrument | 2018111970 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | FIRST INTERNATIONLA TITLE IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,030.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1338 LUKAS ACRES WAY, 1338, OVIEDO, FL 32765-5276 |
| Name | Verified Name |
|---|---|
| Address | 3729 RICKY LN, SAINT CLOUD, FL 34772-8262 |
| Document Number | 2018111971 |
|---|---|
| Date | Jul 23, 2018 |
| Instrument | 2018111971 |
| Name | HOME 1ST LENDING LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,065.00 (+6.3%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $275,031 (+5.99%) | $365,300 (-3.28%) Land $70,000 Building $295,300 |
| 2023 | $3,824.00 (+3.6%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $259,496 (+3%) | $377,700 (+25.32%) Land $65,000 Building $312,700 |
| 2022 | $3,691.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $251,938 | $301,400 Land $55,000 Building $246,400 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, 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 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.
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.
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 |
| 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.
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