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4368 Ranch House Rd, Saint Cloud, FL 34772 Property Records

Osceola County property record for 4368 Ranch House Rd, Saint Cloud, FL 34772

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,560 sqft · built 2024
Lot Size0.06 acres (2,613 sqft)
Owner2 Individual Names on Record
Last Sale$319,000 (Apr 2025)
Tax Bill$5,877 (2025)
Deeds & MortgagesApr 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN21-26-30-3646-0001-6950

Property Details

APN / Parcel Number

Primary APN21-26-30-3646-0001-6950
Alternative APN
  • 263021364600016950

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,560 sqft Living Area
Gross Area1,976 sqft
1st Floor Area728 sqft
FlooringTile

Exterior

Year BuiltBuilt 2024
Effective Year BuiltEffective 2024
Architectural StyleL-Shape
Roof TypeGable/Hip
Roof MaterialComposition Shingle
Lot Area2,613 sqft (0.06 acres)
Garage TypeAttached
Garage Area400 sqft
PorchFinished/Open Porch
Porch Area16 sqft
Patio Area36 sqft

Utilities, Heating & Cooling

Heating SystemCentral

Location & Zoning

Street Address4368 RANCH HOUSE RD
CitySAINT CLOUD
StateFL
Zip34772-6346
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionTHE MEADOW AT CROSSPRAIRIE PB 33 PGS 91-94 LOT 695
Legal SubdivisionMEADOW AT CROSSPRAIRIE
Legal Lot Number695
JurisdictionOSCEOLA FL
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1011
Census Tract43209

Owner

Source: Osceola County records, as of July 6, 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 Record
Mailing Address4368 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6346
OccupancyOwner Occupied
Owner TypeIndividual
VestingHusband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleApr 1, 2025 · Amount on Record
Deed SaleApr 1, 2025 · Amount on Record
Deed Document Number202540589
Deed Book / Page6763 / 1504
Record UpdatedSep 20, 2026

April 2025: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 1, 2025
Property Address4368 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6346
Document Number0067631504
Book / Page6763 / 1504
Map ReferenceMB 33 PG 91-94
Instrument DateMar 28, 2025
Instrument2025040589
Transaction TypeSubdivision Related Transfer
Record UpdatedDec 12, 2025
Title CompanyCAREFREE TITLE AGENCY INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,233.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address5337 MILLENIA LAKES BOULEVARD STE 410, 410, ORLANDO, FL 32839-6302

Transferred To (Grantee/Buyer)

NameVerified Name
Address4368 RANCH HOUSE RD, SAINT CLOUD, FL 34772-6346

Mortgage

Document Number0067631507
DateApr 1, 2025
Instrument6763/1507
Lender
NameLOANDEPOT.COM LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term360 Months
DueApr 1, 2055
Interest
Rate TypeAdjustable Rate
Rate5.12%
AdjustableAdjustable Rate Rider
Type Change DateJul 1, 2030
Change FrequencyAnnually
Min Rate At Change4.12%
Max Rate At Change6.12%
Max Rate6.12%

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,877.00$273,000 Land $44,000 Building $229,000$273,000 Land $44,000 Building $229,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 136 policies
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 · Hurricane Ian
Claims by Event
  • Hurricane Ian, Oct 2022 · 2 claims

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskHigh
above 82% of the US · above 72% of Florida
Wildfire Likelihood0.5% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water SystemTOHO WATER AUTHORITY-POINCIANA SYSTEM
public/private · serves 69,447 people · EPA ID FL3494429
Water SourceGroundwater
Last State InspectionMar 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
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, Verizon.

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