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4228 Ranch House Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4228 Ranch House Rd, Saint Cloud, FL 34772 · Last verified July 2026

Property Summary

Property TypeVacant Land
Lot Size0.06 acres (2,613 sqft)
Owner2 Individual Names on File
Last Sale$329,100 (Apr 2026)
Tax Bill$1,948 (2025)
Deeds & MortgagesApr 2026 Sale & Mortgage
Apr 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-26-30-0132-0001-6590

Property Details

APN / Parcel Number

Primary APN21-26-30-0132-0001-6590
Alternative APN
  • 263021013200016590

Exterior

Lot Area2,613 sqft (0.06 acres)

Location & Zoning

Street Address4228 RANCH HOUSE RD
CitySAINT CLOUD
StateFL
Zip34772-6366
Property CategoryVacant Land
Property TypeVacant Land > Uncategorized
Legal DescriptionMEADOW AT CROSSPRAIRIE PH 3 PB 35 PGS 32-35 LOT 659
Legal SubdivisionMEADOW AT CROSSPRAIRIE PHASE 3
Legal Lot Number659
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1011
Census Tract43209

Owner

Source: Osceola County records · APN 21-26-30-0132-0001-6590

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address4228 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6366
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

DateDocument
Apr 01, 2026Special Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC
Apr 01, 2026Special Warranty Deed, Transfer · FHA Mortgage
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 01, 2026 · Amount on Record
Deed SaleApr 01, 2026 · Amount on Record
Deed Document Number202643144
Deed Book / Page6947 / 1238
Record UpdatedSep 20, 2026

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 01, 2026
Property Address4228 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6366
Document Number0000043144
Book / Page6947 / 1238
Instrument DateMar 30, 2026
Instrument202643144
Transaction TypeTransfer
Record UpdatedApr 16, 2026
Title CompanyCAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$232,673.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4228 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6366

Mortgage

Document Number0000043145,
DateApr 01, 2026
Instrument202643145
Lender
NameLOANDEPOT.COM LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate6.01%
Max Rate-1%

April 2026: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 01, 2026
Property Address4228 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6366
Document Number0069471238
Book / Page6947 / 1238
Instrument DateMar 30, 2026
Instrument202643144
Transaction TypeTransfer
Record UpdatedJul 02, 2026
Title CompanyCAREFREE TITLE AGENCY INC, CAREFREE TITLE AGENCY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$232,673.70
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address4228 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6366
InvestorPossibly a Property Investor

Mortgage

Document Number0000043145,
DateApr 01, 2026
Instrument202643145
Lender
NameLOANDEPOT.COM LLC
Agreement
TypeFHA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2056
Interest
Rate4.87%
Max Rate-1%

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2025$1,948.00 (+0.1%)$44,000 Land $44,000$44,000 Land $44,000
2024$1,946.00

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 120970432091, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 136 individual NFIP policies nearby
Community Rating SystemClass 5 (25% premium discount)
Nearby Flood Policies136 in force
Nearby Flood Claims4 (2011–2022)
Claims Outside the SFHA1 of 4
Most Recent ClaimOct 2022, other causes, Hurricane Ian
Claims By Storm
  • Hurricane Ian, Oct 2022 · 2 claims

Wildfire

Wildfire RiskHigh
above 85% of the US · above 77% of Florida
Wildfire LikelihoodAbout 1 in 156 per year
ExposureDirect
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 · Published October 2026 · based on 40 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Lumen TechnologiesFiber8,000 / 8,000
XfinityCable2,000 / 250
SpectrumFiber1,000 / 1,000
AT&TFixed Wireless100 / 20

May also be available at this address: AT&T, Spectrum, T-Mobile USA, Hotwire Communications, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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