3735 Ricky Ln, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3735 Ricky Ln, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,244 sqft · built 2014
Lot Size	0.178 acres (7,797 sqft)
Owner	2 Individual Names on File
Last Sale	$163,000 (Jan 2015)
Tax Bill	$2,188 (2025)
Deeds & Mortgages	Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`153709`

Property Details

APN / Parcel Number

Primary APN	`153709`
Alternative APN	`262630006800012380`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,244 sqft Heated Area
Gross Area	1,639 sqft
1st Floor Area	1,244 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

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	387 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	153709
Street Address	3735 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 238
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	238 34
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	43207

Owner

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	2 Individual Names on File
Mailing Address	3735 RICKY LN, SAINT CLOUD, FL 34772-8262
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 16, 2015 · Amount on Record
Deed Sale	Jan 16, 2015 · Amount on Record
Prior Sale	Jan 16, 2015 · Amount on Record
Deed Document Number	0047232233
Deed Book / Page	004723 / 002233
Last Transfer Date	Jan 13, 2020
Transfer Doc	0056562297
Record Updated	Jun 8, 2026

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 13, 2020
Property Address	3735 RICKY LN, SAINT CLOUD, FL 34772-8262
Document Number	0056562297
Book / Page	005656 / 002297
Instrument Date	Dec 10, 2019
Instrument	5762
Transaction Type	Transfer
Record Updated	Jan 30, 2020
Title Company	MORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SVCS INC

Transaction

Amount	Amount Recorded
Tax	$543.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3735 RICKY LN ST CLOUD FL 347728262, ST CLOUD, FL 34772-8262

Mortgage

Document Number	56562298
Date	Jan 13, 2020
Book Page	005656/002298
Instrument	5763

Lender

Name	ADDITION FIN'L CU
Address	LAKE MARY, FL 32746

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 12, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,188.00 (+6.89%) Homeowner's exemption	$165,152 (+5.99%)	$270,700 (-2.34%) Land $70,000 Building $200,700
2023	$2,047.00 (+4.07%) Homeowner's exemption	$155,824 (+3%)	$277,200 (+24.86%) Land $65,000 Building $212,200
2022	$1,967.00 Homeowner's exemption	$151,286	$222,000 Land $55,000 Building $167,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 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

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.

Wildfire

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

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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