Osceola County property record for 3824 Rambler Ave, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 840 sqft · built 1969 |
| Lot Size | 0.892 acres (38,856 sqft) |
| Owner | Individual Name on File |
| Last Sale | $275,000 (May 2025) |
| Tax Bill | $2,454 (2025) |
| Deeds & Mortgages | May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 98613 |
| Primary APN | 98613 |
|---|---|
| Alternative APN |
|
| Full Baths | 1 Bath |
|---|---|
| Stories | 1 Story |
| Building Area | 840 sqft Heated Area |
| Gross Area | 1,772 sqft |
| 1st Floor Area | 840 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1969 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable/Hip |
| Roof Material | Rolled Roofing |
| Lot Area | 38,856 sqft (0.892 acres) |
| Garage Type | Finished |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Enclosed Porch |
| Porch Area | 624 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Space Heater |
| Account Number | 98613 |
|---|---|
| Street Address | 3824 RAMBLER AVE |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7582 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 27 E 259.1 FT OF S 157.5 FT OF LOT 76 LESS RD R/W |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 31 |
| Legal Subdivision | SEMINOLE LAND&INV CO |
| Legal Tract | 4950 |
| Legal Block | 1 |
| Legal Lot Number | 76 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 43205 |
Source: Osceola County records · APN 98613
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 | 3824 RAMBLER AVE, SAINT CLOUD, FL 34772-7582 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 02, 2025 · Amount on Record |
| Deed Sale | May 02, 2025 · Amount on Record |
| Prior Sale | Dec 17, 2010 · Amount on Record |
| Deed Document Number | 2025055701 |
| Deed Book / Page | 6781 / 1588 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 02, 2025 |
| Property Address | 3824 RAMBLER AVE, SAINT CLOUD, FL 34772-7582 |
| Document Number | 0067811588 |
| Book / Page | 6781 / 1588 |
| Map Reference | MB B PG 27 |
| Instrument Date | Apr 27, 2025 |
| Instrument | 2025055701 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | INFINITY TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,925.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3824 RAMBLER AVE, SAINT CLOUD, FL 34772-7582 |
| Name | Verified Name |
|---|---|
| Address | 3824 RAMBLER AVE, SAINT CLOUD, FL 34772-7582 |
| Document Number | 0067811590 |
|---|---|
| Date | May 02, 2025 |
| Instrument | 6781/1590 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 01, 2055 |
| Document Number | 0067811603 |
|---|---|
| Date | May 02, 2025 |
| Book Page | 6781/1603 |
| Instrument | 2025055703 |
| Name | GOLD STAR MORTGAGE FINANCIAL GROUP CORP |
|---|---|
| Type | Mortgage Company |
| Address | ANN ARBOR, MI 48105 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 01, 2035 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,454.00 (+14.83%) | $140,100 (+10.14%) Land $60,000 Building $80,100 | $140,100 (+10.14%) Land $60,000 Building $80,100 |
| 2023 | $2,137.00 (+8.48%) | $127,200 (+7.61%) Land $50,000 Building $77,200 | $127,200 (+7.61%) Land $50,000 Building $77,200 |
| 2022 | $1,970.00 | $118,200 Land $50,000 Building $68,200 | $118,200 Land $50,000 Building $68,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
|
| 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 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, availability as of December 31, 2025 · sampled at 240 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Lumen Technologies Fiber | 8,000 / 8,000 |
| Xfinity Cable | 2,000 / 250 |
May also be available: Spectrum.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 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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