3895 Rambler Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3895 Rambler Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	2 bd · 2 ba · 1,370 sqft · built 1994
Lot Size	1.11 acres (48,482 sqft)
Owner	Individual Name on Record
Last Sale	$92,000 (Jul 2017)
Tax Bill	$1,575 (2025)
Deeds & Mortgages	Apr 2018 Loan Modification Jul 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`98631`

Property Details

APN / Parcel Number

Primary APN	`98631`
Alternative APN	`312631495000010937`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,370 sqft Heated Area
Gross Area	1,776 sqft
1st Floor Area	1,370 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	48,482 sqft (1.11 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	406 sqft
Fence	Fence
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98631
Street Address	3895 RAMBLER AVE
City	SAINT CLOUD
State	FL
Zip	34772-7583
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OAR1
Legal Description	S L & I C PB B PG 27 N 317.5 FT OF W 430 FT OF LOT 93 LESS W 290 FT OF N 305 FT
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	J
Legal Block	1
Legal Lot Number	93
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 December 11, 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	3895 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2018	Loan Modification, Mortgage · Conventional with PMI WELLS FARGO BK
Jul 11, 2017	Special Warranty Deed, Transfer ATTORNEY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2017 · Amount on Record
Deed Sale	Jul 11, 2017 · Amount on Record
Prior Sale	Feb 21, 2014
Deed Document Number	2017100616
Deed Book / Page	5177 / 1112
Record Updated	Jun 8, 2026

April 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	3895 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Document Number	0053370733
Instrument Date	Apr 6, 2018
Transaction Type	Mortgage
Record Updated	Jun 13, 2018
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 RAMBLER AVE ST CLOUD FL 347727583, ST CLOUD, FL 34772-7583

Mortgage

Document Number	0053370733
Date	May 21, 2018
Book Page	005337/000733
Instrument	79905

Lender

Name	WELLS FARGO BK
Type	Bank
Address	FORT MILL, SC 29715

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

July 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 11, 2017
Property Address	3895 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Document Number	0051771112
Book / Page	5177 / 1112
Instrument Date	Jul 7, 2017
Instrument	2017100616
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Tax	$644.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4801 FREDERICA ST, 4801, OWENSBORO, KY 42301-7441

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3895 RAMBLER AVE, SAINT CLOUD, FL 34772-7583

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$1,575.00 (+10.99%) Homeowner's exemption	$103,105 (+5.99%)	$212,300 (+8.65%) Land $76,000 Building $136,300
2023	$1,419.00 (+6.29%) Homeowner's exemption	$97,282 (+3%)	$195,400 (+30.44%) Land $59,000 Building $136,400
2022	$1,335.00 Homeowner's exemption	$94,449	$149,800 Land $52,600 Building $97,200

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
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	High above 77% of the US · above 64% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct burnable vegetation

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 52 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
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

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