7000 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7000 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,991 sqft · built 1992
Lot Size	1.72 acres (75,010 sqft)
Owner	2 Individual Names on Record
Last Sale	$635,000 (Sep 2024)
Tax Bill	$6,552 (2025)
Deeds & Mortgages	Jan 2022 Mortgage Jul 2019 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`18-26-32-2599-0001-1170`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-1170`
Alternative APNs	`263218259900011170` `103134`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,991 sqft Living Area
Gross Area	2,766 sqft
1st Floor Area	1,991 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Combination
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	75,010 sqft (1.72 acres)
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	425 sqft
Patio Area	384 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	7000 RANCHERO CT
City	SAINT CLOUD
State	FL
Zip	34771-8391
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 117 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	1170
Legal Lot Number	117
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 March 27, 2026

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	7000 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST FLORIDA CU
Jul 18, 2019	Quit Claim Deed, Transfer FIRST FLORIDA CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 4, 2024 · Amount on Record
Deed Sale	Sep 4, 2024 · Amount on Record
Prior Sale	Jul 26, 2013 · Amount on Record
Deed Document Number	2024113885
Deed Book / Page	6659 / 2295
Prior Transfer Date	Jul 11, 2019
Prior Transfer Doc	0055582588
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7000 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Transaction Type	Mortgage
Record Updated	May 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7000 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	0061332194
Date	Jan 21, 2022
Book Page	6133/2194
Instrument	2022011078

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2037

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 18, 2019
Property Address	7000 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Document Number	0055582588
Book / Page	005558 / 002588
Instrument Date	Jul 11, 2019
Instrument	92468
Transaction Type	Transfer
Record Updated	Jul 30, 2019
Title Company	ATTORNEY ONLY

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
Address	7000 RANCHERO CT JACKSONVILLE FL 34711, JACKSONVILLE, FL 34711

Mortgage

Document Number	55582589
Date	Jul 18, 2019
Book Page	005558/002589
Instrument	92469

Lender

Name	FIRST FLORIDA CU
Type	Credit Union
Address	JACKSONVILLE, FL 32202

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Jul 17, 2039

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	$6,552.00 (+131.93%)	$421,500 (+117.86%) Land $108,000 Building $313,500	$421,500 (+11.92%) Land $108,000 Building $313,500
2024	$2,825.00 (+2.28%)
2023	$2,762.00 (+4.62%) Homeowner's exemption	$193,472 (+3%)	$376,600 (+20.74%) Land $85,000 Building $291,600
2022	$2,640.00 Homeowner's exemption	$187,837	$311,900 Land $68,000 Building $243,900

Assessed value is set for property tax purposes, not a market price estimate; it is 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 79% of the US · above 68% 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.

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

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

Cell Coverage

5G and 4G LTE (outdoors only)

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