3975 Rambler Ave, Saint Cloud, FL 34772 Property Records

Osceola County property record for 3975 Rambler Ave, Saint Cloud, FL 34772 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1993
Square Footage	1,771 sqft Heated Area
Lot Size	42,558 sqft (0.976 acres)
Occupancy	Owner Occupied
Last Sale	$399,900 (2025)
Tax Bill	$1,711.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`98656`
Alternative APN	`312631495000011163`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,771 sqft Heated Area
Gross Area	2,185 sqft Gross Area
1st Floor	1,771 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1993
Exterior Material	Concrete Block Exterior
Foundation Type	Footing Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	42,558 sqft (0.976 acres)
Parking Spaces	6 Parking Spaces
Garage Type	Mixed Garage
Garage Area	414 sqft Garage

Exterior Amenities

Fence	Fence
Shed	1 Shed
Shed Area	192 sqft Shed
Patio Area	480 sqft Patio

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Account Number	98656
Street Address	3975 RAMBLER AVE
City	SAINT CLOUD
State	FL
Zip	34772-7924
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	S L & I C PB B PG 27 S 133.75 FT OF N 292.5 FT OF W 326 FT OF LOT 116 AKA TRACT W
Legal Range	31E
Legal Township	26S
Legal Section	31
Legal Subdivision	SEMINOLE LAND&INV CO
Legal Tract	W
Legal Block	1
Legal Lot Number	116
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1000
Census Tract	43205

Owner

Source: Osceola County records · APN 98656

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	2 Individual Names on File
Co-owner	Verified Secondary Owner
Mailing Address	3975 RAMBLER AVE, SAINT CLOUD, FL 34772-7924
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 31, 2025 · Amount on Record
Deed Sale	Jul 31, 2025 · Amount on Record
Deed Doc Number	0006830627
Deed Book / Page	3058 / 0829
Prior Transfer Date	Feb 07, 2006
Prior Transfer Doc	2006037880
Record Refreshed	Jun 08, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	3975 RAMBLER AVE, SAINT CLOUD, FL 34772-7924
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10947 SAVANNAH WOOD DR, ORLANDO, FL 32832-5574

Mortgage

Document Number	0068300629
Date	Aug 05, 2025
Book Page	6830/629
Instrument	2025097318

Lender

Name	KIND LENDING LLC
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2055

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, not market price estimates; both are a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,711.00 (+10.46%) Homeowner's exemption	$112,937 (+5.99%)	$284,200 (+5.42%) Land $60,000 Building $224,200
2023	$1,549.00 (+6.02%) Homeowner's exemption	$106,559 (+3%)	$269,600 (+13.04%) Land $50,000 Building $219,600
2022	$1,461.00 Homeowner's exemption	$103,456	$238,500 Land $50,000 Building $188,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Moderate above 65% of the US · above 41% of Florida
Wildfire Likelihood	About 1 in 346 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.