Osceola County property record for 4145 Rambler Ave, Saint Cloud, FL 34772 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2.5 Baths |
| Year Built | Built 1975 |
| Square Footage | 1,985 sqft Living Area |
| Lot Size | 213,008 sqft (4.89 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $568,000 (2025) |
| Tax Bill | $5,079.00 (2024) |
| Primary APN | 06-27-31-4950-0001-0450 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,985 sqft Living Area |
| Gross Area | 5,104 sqft Gross Area |
| 1st Floor | 1,985 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Wood Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Conventional Style |
| Exterior Material | Combination Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Metal Roof |
| Lot Area | 213,008 sqft (4.89 acres) |
| Parking Spaces | 10 Parking Spaces |
| Garage Type | Detached Garage |
| Garage Area | 1,200 sqft Garage |
| Pool Type | In-Ground Pool Pool Type |
|---|---|
| Pool Area | 372 sqft Pool |
| Deck Area | 564 sqft Deck |
| Porch Area | 215 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 4145 RAMBLER AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-7916 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | S L & I C PB B PG 32 LOT 45 LESS RD R/W |
| Legal Range | 31E |
| Legal Township | 27S |
| Legal Section | 06 |
| Legal Subdivision | S L & I C |
| Legal Tract | 4950 |
| Legal Block | 450 |
| Legal Lot Number | 45 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1000 |
| Census Tract | 43205 |
Source: Osceola County records · APN 06-27-31-4950-0001-0450
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 | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 10, 2024 | Deed of Trust, Mortgage · Line of Credit TRUIST BANK |
| Jun 26, 2025 | Deed of Trust, Mortgage · Stand Alone Second Mortgage KNOCK LENDING LLC |
| Dec 31, 2025 | Warranty Deed, Transfer · Conventional Mortgage ATLANTIC BAY MORTGAGE GROUP LLC |
| May 08, 2020 | Deed of Trust, Mortgage · Conventional Mortgage THE MORTGAGE FIRM INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 31, 2025 · Amount on Record |
| Deed Sale | Dec 31, 2025 · Amount on Record |
| Prior Sale | Feb 02, 2016 · Amount on Record |
| Deed Doc Number | 2025159278 |
| Deed Book / Page | 6901 / 1440 |
| Prior Transfer Date | May 19, 2015 |
| Prior Transfer Doc | 0047820132 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4145 RAMBLER AVE VE, VE, SAINT CLOUD, FL 34772-7916 |
| Document Number | 0066302762 |
|---|---|
| Date | Jul 10, 2024 |
| Book Page | 6630/2762 |
| Instrument | 2024090006 |
| Name | TRUIST BANK |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 21, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Transaction Type | Mortgage |
| Record Updated | Jan 14, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Document Number | 0068100682 |
|---|---|
| Date | Jun 26, 2025 |
| Book Page | 6810/682 |
| Instrument | 2025080420 |
| Name | KNOCK LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30305 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Dec 24, 2025 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 31, 2025 |
| Property Address | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Document Number | 0069011440 |
| Book / Page | 6901 / 1440 |
| Map Reference | MB B PG 32 |
| Instrument Date | Dec 30, 2025 |
| Instrument | 2025159278 |
| Transaction Type | Transfer |
| Record Updated | Jan 14, 2026 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,976.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5265 MYAKKA RD, DE LEON SPRINGS, FL 32130-4249 |
| Name | Verified Name |
|---|---|
| Relationship | Tenant By Entirety |
| Address | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Document Number | 0069011442 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 6901/1442 |
| Name | ATLANTIC BAY MORTGAGE GROUP LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 4145 RAMBLER AVE, SAINT CLOUD, FL 34772-7916 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057192860 |
|---|---|
| Date | May 08, 2020 |
| Book Page | 5719/2860 |
| Instrument | 2020062053 |
| Name | THE MORTGAGE FIRM INC |
|---|---|
| Type | Mortgage Company |
| Address | ALTAMONTE SPRINGS, FL 32714 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 301 Months |
| Due | Jun 01, 2045 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,315.00 (+4.65%) Homeowner's exemption | $373,069 (+55.07%) | $577,500 (+39.59%) Land $198,000 Building $379,500 |
| 2024 | $5,079.00 (+48.51%) | ||
| 2023 | $3,420.00 (+4.3%) Homeowner's exemption | $240,585 (+3%) | $413,700 (+10.79%) Land $140,800 Building $272,900 |
| 2022 | $3,279.00 Homeowner's exemption | $233,578 | $373,400 Land $140,800 Building $232,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | High above 72% of the US · above 56% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 295 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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