4240 Ranch House Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4240 Ranch House Rd, Saint Cloud, FL 34772 · Last verified January 2026

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$337,300 (Jan 2026)
Tax Bill	$1,948 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`212630013200016560`

Property Details

APN / Parcel Number

Primary APN	`212630013200016560`

Exterior

Lot Area	2,614 sqft (0.06 acres)

Location & Zoning

Street Address	4240 RANCH HOUSE RD
City	SAINT CLOUD
State	FL
Zip	34772
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	MEADOW AT CROSSPRAIRIE PH 3 PB 35 PGS 32-35 LOT 656
Legal Phase	3
Legal Lot Number	656
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43209

Owner

Source: Osceola County records · APN 212630013200016560

Assessment roll updated July 1, 2025 · Last verified January 2026

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	4240 RANCH HOUSE RD, SAINT CLOUD, FL 34772
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 06, 2026 · Amount on Record
Deed Sale	Jan 06, 2026 · Amount on Record
Deed Document Number	2026001729
Deed Book / Page	6904 / 541
Record Updated	Jun 08, 2026

January 2026: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 06, 2026
Property Address	4240 RANCH HOUSE RD, SAINT CLOUD, FL 34772
Document Number	0069040541
Book / Page	6904 / 541
Map Reference	MB 35 PG 32-35
Instrument Date	Jan 05, 2026
Instrument	2026001729
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 19, 2026
Title Company	CAREFREE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,361.10
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4240 RANCH HOUSE RD, SAINT CLOUD, FL 34772

Mortgage

Document Number	0006904544
Date	Jan 06, 2026
Instrument	6904/544

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2056

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified January 2026

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,948.00	$44,000 Land $44,000	$44,000 Land $44,000

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 Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 136 individual NFIP policies nearby
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	136 in force 111 of 136 on primary residences
Nearby Flood Claims	4 (2011–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Oct 2022, other causes, Hurricane Ian
Flood Events	Hurricane Ian (Oct 2022), 2 claims

Wildfire

Wildfire Risk	High above 85% of the US · above 77% of Florida
Wildfire Likelihood	About 1 in 156 per year
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.