3731 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3731 Ricky Ln, Saint Cloud, FL 34772 · Last verified December 2025

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,695 sqft · built 2007
Lot Size	0.178 acres (7,797 sqft)
Owner	Individual Name on File
Last Sale	$236,000 (Dec 2018)
Tax Bill	$3,124 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`153711`

Property Details

APN / Parcel Number

Primary APN	`153711`
Alternative APN	`262630006800012400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,695 sqft Heated Area
Gross Area	2,306 sqft
1st Floor Area	1,695 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
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	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Screened Porch
Porch Area	171 sqft
Fence	Fence
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153711
Street Address	3731 RICKY LN
City	SAINT CLOUD
State	FL
Zip	34772-8262
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BRISTOL COVE AT DEER CREEK PH 2 PB 20 PG 37-40 LOT 240
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	240 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 153711

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
Co-owner	Verified Secondary Owner
Mailing Address	3731 RICKY LN, SAINT CLOUD, FL 34772-8262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Dec 27, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Sep 05, 2018	Warranty Deed, Transfer NORTH AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 27, 2018 · Amount on Record
Deed Sale	Dec 27, 2018 · Amount on Record
Prior Sale	Apr 21, 2009 · Amount on Record
Deed Document Number	2018187986
Deed Book / Page	5454 / 2882
Record Updated	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3731 RICKY LN, SAINT CLOUD, FL 34772-8262
Transaction Type	Mortgage
Record Updated	Feb 04, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3731 RICKY LN, SAINT CLOUD, FL 34772-8262

Mortgage

Document Number	0061351451
Date	Jan 24, 2022
Book Page	6135/1451
Instrument	2022012701

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2052

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2018
Property Address	3731 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number	0054542882
Book / Page	5454 / 2882
Map Reference	MB 20 PG 37-40
Instrument Date	Dec 21, 2018
Instrument	2018187986
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	OPENDOOR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,652.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 HOWARD ST STE 550, 405, SAN FRANCISCO, CA 94105-2999

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3731 RICKY LN, SAINT CLOUD, FL 34772-8262

Mortgage

Document Number	2018187987
Date	Dec 27, 2018
Instrument	2018187987

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 05, 2018
Property Address	3731 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number	0053960749
Book / Page	005396 / 000749
Instrument Date	Aug 31, 2018
Instrument	134034
Transaction Type	Transfer
Record Updated	Sep 20, 2018
Title Company	NORTH AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,491.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	405 HOWARD ST #550 SAN FRANCISCO CA 941052999, 550, SAN FRANCISCO, CA 94105-2999
Investor	Possibly a Property Investor

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	$3,124.00 (+6.44%) Homeowner's exemption	$217,410 (+5.99%)	$301,800 (-2.8%) Land $70,000 Building $231,800
2023	$2,935.00 (+3.75%) Homeowner's exemption	$205,130 (+3%)	$310,500 (+24.95%) Land $65,000 Building $245,500
2022	$2,829.00 Homeowner's exemption	$199,156	$248,500 Land $55,000 Building $193,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432072, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Cost	Premium on Record median of 66 individual NFIP policies nearby
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, other causes, Hurricane Milton

Wildfire

Wildfire Risk	Moderate above 66% of the US · above 43% of Florida
Wildfire Likelihood	About 1 in 389 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 257 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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