3815 Rambler Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3815 Rambler Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,463 sqft · built 1987
Lot Size	0.952 acres (41,469 sqft)
Owner	Individual Name on Record
Last Sale	$365,000 (Mar 2023)
Tax Bill	$3,276 (2025)
Deeds & Mortgages	Mar 2023 Sale & Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-4950-0001-0680`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-4950-0001-0680`
Alternative APNs	`263131495000010680` `98590`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,463 sqft Living Area
Gross Area	1,739 sqft
1st Floor Area	1,463 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 2010
Architectural Style	Conventional
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	41,469 sqft (0.952 acres)

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	120 sqft
Patio Area	294 sqft
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3815 RAMBLER AVE
City	SAINT CLOUD
State	FL
Zip	34772-7583
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OA2M
Legal Description	S L & I C PB B PG 27 S 163.3 FT OF W 264 FT OF LOT 68 LESS RD R/W 2ND AVE
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	S L & I C
Legal Tract	4950
Legal Block	680
Legal Lot Number	68
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	3815 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Man

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2023	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 10, 2023 · Amount on Record
Deed Sale	Mar 10, 2023 · Amount on Record
Prior Sale	Aug 30, 2021 · Amount on Record
Deed Document Number	202328116
Deed Book / Page	6369 / 1256
Prior Transfer Date	Apr 20, 2004
Prior Transfer Doc	0024980571
Record Updated	Jun 8, 2026

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 10, 2023
Property Address	3815 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Document Number	0063691256
Book / Page	6369 / 1256
Map Reference	MB B PG 27
Instrument Date	Mar 2, 2023
Instrument	2023028116
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	CELEBRATION TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7700 SKYVIEW DR, ORLANDO, FL 32809-7063

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 RAMBLER AVE, SAINT CLOUD, FL 34772-7583

Mortgage

Document Number	0063691259
Date	Mar 10, 2023
Book Page	6369/1259
Instrument	2023028118

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 30, 2021
Property Address	3815 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Document Number	0060320585
Book / Page	6032 / 585
Map Reference	MB B PG 27
Instrument Date	Aug 26, 2021
Instrument	2021134082
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4070 RAMBLER AVE, SAINT CLOUD, FL 34772-7919

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3815 RAMBLER AVE, SAINT CLOUD, FL 34772-7583

Mortgage

Document Number	0006032587
Date	Aug 30, 2021
Instrument	6032/587

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,276.00 (-10.78%) Homeowner's exemption	$225,900 (+63.43%) Land $60,000 Building $165,900	$225,900 (+0.58%) Land $60,000 Building $165,900
2024	$3,672.00 (+84.43%)
2023	$1,991.00 (+5.34%) Homeowner's exemption	$138,226 (+3%)	$224,600 (+67.36%) Land $50,000 Building $174,600
2022	$1,890.00 Homeowner's exemption	$134,200 Land $50,000 Building $84,200	$134,200 Land $50,000 Building $84,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 68 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	68 in force
Nearby Flood Claims	9 (1997–2020)
Claims Outside the SFHA	5 of 9
Most Recent Claim	Jun 2020 · other causes
Claims by Event	Hurricane Irma, Sep 2017 · 2 claims Hurricane Frances, Sep 2004 · 3 claims

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 50% of the US · lower than 79% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 240 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Xfinity Cable	2,000 / 250

May also be available: Spectrum.

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