6910 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6910 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	8 bd · 4 ba · 4,488 sqft · built 2003
Lot Size	3 acres (130,984 sqft)
Owner	Individual Name on Record
Last Sale	$550,000 (Jun 2020)
Tax Bill	$8,077 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jan 2020 Mortgage + 5 more
Flood Zone	Zone A (high risk)
APN	`18-26-32-2599-0001-1220`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-1220`
Alternative APNs	`263218259900011220` `103139`

Interior

Bedrooms	8 Beds
Full Baths	4 Baths
Stories	2 Stories
Building Area	4,488 sqft Living Area
Gross Area	6,334 sqft
1st Floor Area	2,997 sqft
Upper Floors Area	534 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	130,984 sqft (3 acres)
Lot Dimensions	225 ft deep x 227 ft wide
Garage Type	Attached
Garage Area	1,050 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	25 sqft
Porch	Finished/Open Porch
Porch Area	946 sqft
Deck Area	954 sqft
Patio Area	1,056 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	6910 RANCHERO CT
City	SAINT CLOUD
State	FL
Zip	34771-7002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OA1A
Legal Description	BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 122 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	1220
Legal Lot Number	122
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1007
Census Tract	43801

Owner

Source: Osceola County records, as of September 23, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2020	Warranty Deed, Transfer · Conventional Mortgage MY MORTGAGE INC
Jan 24, 2020	Deed of Trust, Mortgage PEER TITLE INC
Feb 8, 2019	Grant Deed, Transfer ATTORNEY ONLY
Feb 5, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY
Oct 9, 2018	Grant Deed, Transfer PEER TITLE INC
Oct 9, 2018	Quit Claim Deed, Transfer · Line of Credit QUANTA FIN LLC
Aug 6, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 17, 2020 · Amount on Record
Deed Sale	Jun 17, 2020 · Amount on Record
Prior Sale	Feb 5, 2019
Deed Document Number	202077924
Deed Book / Page	5739 / 1252
Prior Transfer Date	Jan 22, 2019
Prior Transfer Doc	0054722569
Record Updated	Oct 29, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 17, 2020
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0057391252
Book / Page	5739 / 1252
Map Reference	MB 4 PG 59-61
Instrument Date	Jun 12, 2020
Instrument	2020077924
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,850.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5009 N CENTRAL AVE, 5009, TAMPA, FL 33603-2213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002

Mortgage

Document Number	57391254
Date	Jun 17, 2020
Instrument	5739/1254

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0057122649
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 25, 2020
Title Company	PEER TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213

February 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 8, 2019
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0054741541
Book / Page	005474 / 001541
Instrument Date	Feb 7, 2019
Instrument	16909
Transaction Type	Transfer
Record Updated	Feb 20, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213

February 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 5, 2019
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0054722569
Book / Page	005472 / 002569
Instrument Date	Jan 22, 2019
Instrument	15093
Transaction Type	Foreclosure
Record Updated	Feb 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$0.70

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 619080 DALLAS TX 752619080, DALLAS, TX 75261-9080

October 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 9, 2018
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0054142559
Book / Page	005414 / 002559
Instrument Date	Sep 13, 2018
Instrument	151664
Transaction Type	Transfer
Record Updated	Oct 25, 2018
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Tax	$2,124.50
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213
Investor	Possibly a Property Investor

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 9, 2018
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0054142561
Book / Page	005414 / 002561
Instrument Date	Sep 12, 2018
Instrument	151665
Transaction Type	Transfer
Record Updated	Oct 23, 2018
Title Company	PEER TITLE INC

Transaction

Amount	Amount Recorded
Tax	$0.70
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5009 N CENTRAL AVE TAMPA FL 336032213, TAMPA, FL 33603-2213

Mortgage

Document Number	54142562
Date	Oct 9, 2018
Book Page	005414/002562
Instrument	151666

Lender

Name	QUANTA FIN LLC
Address	WESTLAKE VILLAGE, CA 91362

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Oct 8, 2019

Interest

Rate Type	Adjustable Rate

August 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 6, 2018
Property Address	6910 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0053801009
Book / Page	005380 / 001009
Instrument Date	Jul 24, 2018
Instrument	119970
Transaction Type	Foreclosure
Record Updated	Aug 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 619080 DALLAS TX 752619080, DALLAS, TX 75261-9080

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,077.00 (+4.18%) Homeowner's exemption	$572,439 (+5.99%)	$867,000 (+16.49%) Land $145,000 Building $722,000
2024	$7,753.00 (+1.97%)
2023	$7,603.00 (+3.53%) Homeowner's exemption	$540,104 (+3%)	$744,300 (+16.15%) Land $125,000 Building $619,300
2022	$7,344.00 Homeowner's exemption	$524,373	$640,800 Land $125,000 Building $515,800

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 Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 192 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	192 in force
Nearby Flood Claims	6 (2002–2023)
Most Recent Claim	Nov 2023 · rainfall accumulation

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 Risk	High above 76% of the US · above 63% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Direct 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 System	TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people · EPA ID FL3494429
Water Source	Groundwater
Last State Inspection	Mar 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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, 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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