3954 Rambler Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3954 Rambler Ave, Saint Cloud, FL 34772

Property Summary

Property Type	Mobile Home
Details	4 bd · 2 ba · 1,620 sqft · built 2003
Lot Size	0.999 acres (43,516 sqft)
Owner	2 Individual Names on File
Last Sale	$219,000 (Dec 2019)
Tax Bill	$1,892 (2025)
Deeds & Mortgages	Dec 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-26-31-5140-000C-0320`

Property Details

APN / Parcel Number

Primary APN	`31-26-31-5140-000C-0320`
Alternative APNs	`2631315140000C0320` `99015`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,620 sqft Living Area
Gross Area	1,980 sqft
1st Floor Area	1,620 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2011
Architectural Style	Custom Design
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,516 sqft (0.999 acres)
Lot Dimensions	310 ft deep x 140 ft wide

Exterior Amenities

Porch	Open/Unfinished Porch
Porch Area	360 sqft
Deck Area	96 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	3954 RAMBLER AVE
City	SAINT CLOUD
State	FL
Zip	34772-7909
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	OAR1
Legal Description	ST CLOUD MANOR ACRES PB 1 PG 425 BLK C LOT 32 LESS N 12.5 FT & S 140 FT OF E 60.5 FT OF LOT 34
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	ST CLOUD MANOR ACRES
Legal Tract	5140
Legal Block	C
Legal Lot Number	32
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43205

Owner

Source: Osceola County records · APN 31-26-31-5140-000C-0320

Assessment roll updated November 26, 2025 · Last verified April 2026

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	3954 RAMBLER AVE, SAINT CLOUD, FL 34772-7909
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 30, 2019 · Amount on Record
Deed Sale	Dec 30, 2019 · Amount on Record
Prior Sale	Nov 15, 2007 · Amount on Record
Deed Document Number	2019168855
Deed Book / Page	5649 / 1103
Prior Transfer Date	Oct 26, 2007
Prior Transfer Doc	0035951285
Record Updated	Jun 08, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2019
Property Address	3954 RAMBLER AVE, SAINT CLOUD, FL 34772-7909
Document Number	0056491103
Book / Page	5649 / 1103
Map Reference	MB 1 PG 425
Instrument Date	Dec 27, 2019
Instrument	2019168855
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,533.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3954 RAMBLER AVE, 3954, SAINT CLOUD, FL 34772-7909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3954 RAMBLER AVE, SAINT CLOUD, FL 34772-7909

Mortgage

Document Number	0056491105
Date	Dec 30, 2019
Instrument	5649/1105

Lender

Name	GTE FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026

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	$1,892.00 (+7.38%) Homeowner's exemption Veteran's exemption	$131,003 (+5.99%)	$209,900 (-3.76%) Land $50,400 Building $159,500
2024	$1,762.00 (+2.62%)
2023	$1,717.00 (+5.86%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$123,603 (+3%)	$218,100 (+41.17%) Land $50,400 Building $167,700
2022	$1,622.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$120,003	$154,500 Land $32,000 Building $122,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970432051, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, 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	Moderate above 64% of the US · above 41% of Florida
Wildfire Likelihood	0.3% 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 as of December 31, 2025 · 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
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 73 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system FL3494429, as of 2026 Q3 · EPA water system boundaries as of 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.