Osceola County property record for 6985 Ranchero Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,084 sqft · built 2002 |
| Lot Size | 1 acres (43,734 sqft) |
| Owner | Individual Name on File |
| Last Sale | $575,000 (Nov 2025) |
| Tax Bill | $3,189 (2025) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 103147 |
| Primary APN | 103147 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 2,084 sqft Heated Area |
| Gross Area | 2,968 sqft |
| 1st Floor Area | 2,084 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2007 |
| Exterior Material | Concrete Block |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,734 sqft (1 acres) |
| Garage Type | Mixed |
| Garage Area | 1,050 sqft |
| Parking Spaces | 5 Parking Spaces |
| Pool Area | 288 sqft |
|---|---|
| Porch | Porch |
| Porch Area | 250 sqft |
| Deck Area | 746 sqft |
| Shed | 1 Shed |
| Shed Area | 176 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 103147 |
|---|---|
| Street Address | 6985 RANCHERO CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-7003 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 130 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 | 7,130 |
| 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 · APN 103147
Assessment roll updated July 1, 2025 · Last verified December 2025
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 | 6985 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 04, 2025 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Dec 05, 2017 | Deed of Trust, Mortgage · Commercial Mortgage SUNTRUST BANK |
| Mar 31, 2017 | Warranty Deed, Transfer CELEBRATION TITLE GROUP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 04, 2025 · Amount on Record |
| Deed Sale | Nov 04, 2025 · Amount on Record |
| Prior Sale | Mar 31, 2017 · Amount on Record |
| Deed Document Number | 2025136710 |
| Deed Book / Page | 6875 / 2018 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 04, 2025 |
| Property Address | 6985 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Document Number | 0068752018 |
| Book / Page | 6875 / 2018 |
| Map Reference | MB 4 PG 59-61 |
| Instrument Date | Nov 04, 2025 |
| Instrument | 2025136710 |
| Transaction Type | Transfer |
| Record Updated | Apr 02, 2026 |
| Title Company | MAGNOLIA TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,025.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 19 N ACRES DR, GREENVILLE, SC 29609-3137 |
| Name | Verified Name |
|---|---|
| Address | 6985 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Document Number | 0068752021 |
|---|---|
| Date | Nov 04, 2025 |
| Instrument | 6875/2021 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 6985 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 0052482493 |
|---|---|
| Date | Dec 05, 2017 |
| Book Page | 5248/2493 |
| Instrument | 2017172645 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ORLANDO, FL 32809 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 31, 2017 |
| Property Address | 6985 RANCHERO CT, SAINT CLOUD, FL 34771-7003 |
| Document Number | 0051251395 |
| Book / Page | 005125 / 001395 |
| Instrument Date | Mar 23, 2017 |
| Instrument | 49663 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2017 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,240.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 6985 RANCHERO CT ST CLOUD FL 347717003, ST CLOUD, FL 34771-7003 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,189.00 (+5.6%) Homeowner's exemption | $219,614 (+2.9%) | $505,900 (+0.18%) Land $108,000 Building $397,900 |
| 2024 | $3,020.00 (+2.23%) Homeowner's exemption | $213,425 (+3%) | $505,000 (+11.48%) Land $108,000 Building $397,000 |
| 2023 | $2,954.00 (+4.53%) Homeowner's exemption | $207,209 (+3%) | $453,000 (+20.51%) Land $85,000 Building $368,000 |
| 2022 | $2,826.00 Homeowner's exemption | $201,174 | $375,900 Land $68,000 Building $307,900 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Flood Insurance Cost | Premium on Record median of 192 individual NFIP policies nearby |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 192 in force 182 of 192 on primary residences |
| Nearby Flood Claims | 6 (2002–2023) |
| Most Recent Claim | Nov 2023, rainfall accumulation |
| Wildfire Risk | High above 75% of the US · above 61% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 199 per year |
| 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.
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