Osceola County property record for 6965 Ranchero Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,846 sqft · built 2001 |
| Lot Size | 1 acres (43,734 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $345,000 (Jun 2019) |
| Tax Bill | $3,631 (2025) |
| Deeds & Mortgages | Aug 2018 Mortgage Jun 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103145 |
| Primary APN | 103145 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,846 sqft Heated Area |
| Gross Area | 2,612 sqft |
| 1st Floor Area | 1,846 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,734 sqft (1 acres) |
| Garage Type | Finished |
| Garage Area | 1,620 sqft |
| Porch | Open Porch |
| Porch Area | 496 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 103145 |
|---|---|
| Street Address | 6965 RANCHERO CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7003 |
| 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 128 07/26/32 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 18 |
| Legal Subdivision | BAY LAKE RANCH UN 3 |
| Legal Tract | 2599 |
| Legal Block | 1 |
| Legal Lot Number | 7,128 |
| Legal Unit | H |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43801 |
Source: Osceola County records, as of December 11, 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 | 6965 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 8, 2018 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Jun 4, 2019 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 13, 2019 | Correction Deed, Transfer STEWART TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 13, 2019 · Amount on Record |
| Deed Sale | Jun 13, 2019 · Amount on Record |
| Prior Sale | Jun 4, 2019 · Amount on Record |
| Deed Document Number | 0055402757 |
| Deed Book / Page | 5540 / 2757 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6965 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Transaction Type | Mortgage |
| Record Updated | May 2, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0053811389 |
|---|---|
| Date | Aug 8, 2018 |
| Book Page | 5381/1389 |
| Instrument | 2018121106 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | MAITLAND, FL 32751 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 4, 2019 |
| Property Address | 6965 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Document Number | 0055350945 |
| Book / Page | 5535 / 0945 |
| Map Reference | MB 4 PG 59 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 2019071856 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Title Company | STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,415.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 111 DELETHA LN, 111, BRANDON, MS 39042-8984 |
| Name | Verified Name |
|---|---|
| Address | 6965 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Document Number | 0005535947 |
|---|---|
| Date | Jun 4, 2019 |
| Instrument | 5535/947 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Jul 1, 2029 |
| Document Type | Correction Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 13, 2019 |
| Property Address | 6965 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Document Number | 0055402757 |
| Book / Page | 005540 / 002757 |
| Instrument Date | Jun 4, 2019 |
| Instrument | 76726 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2019 |
| Title Company | STEWART TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,415.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6965 RANCHERO CT ST CLOUD FL 347717003, ST CLOUD, FL 34771-7003 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,631.00 (+7.59%) Homeowner's exemption | $251,554 (+5.99%) | $460,200 (+12.05%) Land $108,000 Building $352,200 |
| 2023 | $3,375.00 (+4.33%) Homeowner's exemption | $237,345 (+3%) | $410,700 (+20.62%) Land $85,000 Building $325,700 |
| 2022 | $3,235.00 Homeowner's exemption | $230,433 | $340,500 Land $68,000 Building $272,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | High above 74% of the US · above 60% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
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