Osceola County property record for 7010 Ranchero Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,319 sqft · built 1996 |
| Lot Size | 1.43 acres (62,508 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $350,000 (Jun 2023) |
| Tax Bill | $6,640 (2025) |
| Deeds & Mortgages | Jun 2023 Sale & Mortgage Apr 2023 Transfer |
| Flood Zone | Zone A (high risk) |
| APN | 18-26-32-2599-0001-1160 |
| Primary APN | 18-26-32-2599-0001-1160 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,319 sqft Living Area |
| Gross Area | 3,560 sqft |
| 1st Floor Area | 2,319 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 62,508 sqft (1.43 acres) |
| Garage Type | Attached |
| Garage Area | 693 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Finished/Open Porch |
|---|---|
| Porch Area | 548 sqft |
| Shed | 1 Shed |
| Shed Area | 36 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 7010 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 116 07/26/32 |
| Legal Range | 32E |
| Legal Township | 26S |
| Legal Section | 18 |
| Legal Subdivision | BAY LAKE RANCH UNIT 3 |
| Legal Tract | 2599 |
| Legal Block | 1160 |
| Legal Lot Number | 116 |
| Legal Unit | H |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 43801 |
Source: Osceola County records · APN 18-26-32-2599-0001-1160
Assessment roll updated November 26, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 16, 2023 | Deed, Transfer · Conventional Mortgage SUNCOAST CU |
| Apr 26, 2023 | Intrafamily Transfer, Transfer ATTORNEY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 16, 2023 · Amount on Record |
| Deed Sale | Jun 16, 2023 · Amount on Record |
| Deed Document Number | 202378467 |
| Deed Book / Page | 6426 / 1241 |
| Prior Transfer Date | Mar 20, 2023 |
| Prior Transfer Doc | 0063952887 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 16, 2023 |
| Property Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
| Document Number | 0064261241 |
| Book / Page | 6426 / 1241 |
| Map Reference | MB 4 PG 59 |
| Instrument Date | Jun 09, 2023 |
| Instrument | 2023078467 |
| Transaction Type | Transfer |
| Record Updated | Jul 03, 2023 |
| Title Company | ATTORNEY ONLY, ATTORNEY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,450.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
| Name | Verified Name |
|---|---|
| Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
| Document Number | 0064261243 |
|---|---|
| Date | Jun 16, 2023 |
| Instrument | 6426/1243 |
| Name | SUNCOAST CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.37% |
| Type Change Date | Jul 01, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 3.37% |
| Max Rate At Change | 7.37% |
| Index | 1-Year T-Bill |
| Max Rate | 11.3% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 26, 2023 |
| Property Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
| Document Number | 0063952887 |
| Book / Page | 6395 / 2887 |
| Map Reference | MB 4 PG 59-61 |
| Instrument Date | Mar 20, 2023 |
| Instrument | 2023051547 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Title Company | ATTORNEY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
| Name | Verified Name |
|---|---|
| Address | 7010 RANCHERO CT, SAINT CLOUD, FL 34771-8391 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| 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 and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,640.00 (+1.56%) Homeowner's exemption | $468,700 (+148.65%) Land $108,000 Building $360,700 | $468,700 (+12.59%) Land $108,000 Building $360,700 |
| 2024 | $6,538.00 (+142.78%) | ||
| 2023 | $2,693.00 (+4.66%) Homeowner's exemption | $188,501 (+3%) | $416,300 (+22.19%) Land $85,000 Building $331,300 |
| 2022 | $2,573.00 Homeowner's exemption | $183,011 | $340,700 Land $68,000 Building $272,700 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970438011, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
| Wildfire Risk | High above 79% of the US · above 68% of Florida |
|---|---|
| Wildfire Likelihood | 0.5% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
Based on FCC filings for 86 locations within half a mile of this property.
5G and 4G LTE (outdoors only)
Source: EPA Safe Drinking Water Information System, water system FL3494429, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | TOHO WATER AUTHORITY-POINCIANA SYSTEM public/private · serves 69,447 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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