Osceola County property record for 4327 Ranch House Rd, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,798 sqft · built 2024 |
| Lot Size | 0.07 acres (3,049 sqft) |
| Owner | Individual Name on File |
| Last Sale | $367,100 (Dec 2024) |
| Tax Bill | $5,557 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Dec 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-26-30-3646-0001-7160 |
| Primary APN | 21-26-30-3646-0001-7160 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,798 sqft Living Area |
| Gross Area | 2,214 sqft |
| 1st Floor Area | 736 sqft |
| Flooring | Tile |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Architectural Style | L-Shape |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,049 sqft (0.07 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Porch | Finished/Open Porch |
| Porch Area | 16 sqft |
| Patio Area | 36 sqft |
| Heating System | Central |
|---|
| Street Address | 4327 RANCH HOUSE RD |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34772-6347 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | THE MEADOW AT CROSSPRAIRIE PB 33 PGS 91-94 LOT 716 |
| Legal Subdivision | MEADOW AT CROSSPRAIRIE |
| Legal Lot Number | 716 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 43209 |
Source: Osceola County records · APN 21-26-30-3646-0001-7160
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 4327 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6347 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Woman |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Dec 10, 2024 | Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 10, 2024 · Amount on Record |
| Deed Sale | Dec 10, 2024 · Amount on Record |
| Deed Document Number | 2024155082 |
| Deed Book / Page | 6707 / 2867 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 23, 2026 |
| Property Address | 4327 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6347 |
| Document Number | 0000082432 |
| Book / Page | 6992 / 1343 |
| Instrument Date | May 20, 2026 |
| Instrument | 202682432 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ONITY MORTGAGE CORPORATION |
| Name | Verified Name |
|---|---|
| Address | 4327 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6347 |
| Document Number | 0000082432, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 6992/1343 |
| Instrument | 202682432 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 343 Months |
| Due | Jan 01, 2055 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 10, 2024 |
| Property Address | 4327 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6347 |
| Document Number | 0067072867 |
| Book / Page | 6707 / 2867 |
| Map Reference | MB 33 PG 91-94 |
| Instrument Date | Dec 05, 2024 |
| Instrument | 2024155082 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | CAREFREE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,569.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302 |
| Name | Verified Name |
|---|---|
| Address | 4327 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6347 |
| Document Number | 2024155083 |
|---|---|
| Date | Dec 10, 2024 |
| Instrument | 2024155083 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2055 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,557.00 | $293,500 Land $44,000 Building $249,500 | $293,500 Land $44,000 Building $249,500 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 136 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 136 in force |
| Nearby Flood Claims | 4 (2011–2022) |
| Claims Outside the SFHA | 1 of 4 |
| Most Recent Claim | Oct 2022 · Hurricane Ian |
| Claims by Event |
|
| Wildfire Risk | High above 82% of the US · above 72% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% 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.
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 |
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless · Fiber in parts of the area | 100 / 20 |
May also be available: Hotwire Communications, T-Mobile USA, Verizon.
Based on FCC filings for 40 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System 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 |
| 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.
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