3899 Rambler Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3899 Rambler Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,404 sqft · built 1994
Lot Size	1.7 acres (74,139 sqft)
Owner	Individual Name on File
Last Sale	$140,000 (Aug 2016)
Tax Bill	$1,676 (2025)
Deeds & Mortgages	Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`98628`

Property Details

APN / Parcel Number

Primary APN	`98628`
Alternative APN	`312631495000010930`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,404 sqft Heated Area
1st Floor Area	1,404 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2004
Architectural Style	Mobile/Manufactured
Exterior Material	Vinyl
Foundation Type	Pier/Post & Beam
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	74,139 sqft (1.7 acres)
Deck Area	176 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	98628
Street Address	3899 RAMBLER AVE
City	SAINT CLOUD
State	FL
Zip	34772-7583
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Legal Description	S L & I C PB B PG 27 LOT 93 LESS W 430 FT OF N 317.5 FT
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	4950
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 · APN 98628

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
Mailing Address	3899 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 08, 2016 · Amount on Record
Deed Sale	Aug 08, 2016 · Amount on Record
Prior Sale	Apr 13, 2011
Deed Document Number	2016120043
Deed Book / Page	5005 / 1134
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3899 RAMBLER AVE, SAINT CLOUD, FL 34772-7583
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3899 RAMBLER AVE, SAINT CLOUD, FL 34772-7583

Mortgage

Document Number	0059401404
Date	Apr 21, 2021
Book Page	5940/1404
Instrument	2021060252

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

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
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	$1,676.00 (+10.55%) Homeowner's exemption	$110,454 (+5.99%)	$219,800 (+11.63%) Land $116,200 Building $103,600
2023	$1,516.00 (+6.09%) Homeowner's exemption	$104,216 (+3%)	$196,900 (+23.6%) Land $90,200 Building $106,700
2022	$1,429.00 Homeowner's exemption	$101,181	$159,300 Land $80,400 Building $78,900

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 120970432051, 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 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

Wildfire

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

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 · sampled at 52 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
Verizon Fixed Wireless	300 / 20

May also be available: Spectrum.

Drinking Water

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

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 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.