6920 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 6920 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,586 sqft · built 2003
Lot Size	3.18 acres (138,869 sqft)
Owner	2 Individual Names on Record
Last Sale	$530,000 (Apr 2022)
Tax Bill	$7,036 (2025)
Deeds & Mortgages	Apr 2022 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`18-26-32-2599-0001-1210`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-1210`
Alternative APNs	`263218259900011210` `103138`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,586 sqft Living Area
Gross Area	3,210 sqft
1st Floor Area	2,586 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	138,869 sqft (3.18 acres)
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	324 sqft
Porch	Finished/Open Porch
Porch Area	204 sqft
Deck Area	688 sqft
Shed	1 Shed
Shed Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	6920 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 121 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	1210
Legal Lot Number	121
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 November 26, 2025

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

Owner of Record	2 Individual Names on Record
Mailing Address	6920 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2022 · Amount on Record
Deed Sale	Apr 18, 2022 · Amount on Record
Prior Sale	Jul 19, 2016 · Amount on Record
Deed Document Number	202260628
Deed Book / Page	6195 / 2136
Prior Transfer Date	Apr 15, 2022
Prior Transfer Doc	0061952136
Record Updated	Oct 29, 2026

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 18, 2022
Property Address	6920 RANCHERO CT, SAINT CLOUD, FL 34771-7002
Document Number	0061952136
Book / Page	6195 / 2136
Map Reference	MB 4 PG 59
Instrument Date	Apr 15, 2022
Instrument	2022060628
Transaction Type	Transfer
Record Updated	Aug 1, 2022
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,710.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6920 RANCHERO CT, 6920, SAINT CLOUD, FL 34771-7002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6920 RANCHERO CT, SAINT CLOUD, FL 34771-7002

Mortgage

Document Number	0061952138
Date	Apr 18, 2022
Instrument	6195/2138

Lender

Name	STREAMLINE MORTGAGE SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$7,036.00 (+4.31%) Homeowner's exemption	$497,273 (+5.99%)	$499,300 (+1.57%) Land $108,800 Building $390,500
2024	$6,745.00 (+2%)
2023	$6,613.00 (+86.49%) Homeowner's exemption	$469,184 (+85.71%)	$491,600 (+16.22%) Land $93,800 Building $397,800
2022	$3,546.00 Homeowner's exemption	$252,650	$423,000 Land $93,800 Building $329,200

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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