Osceola County property record for 7045 Ranchero Ct, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bathrooms | 7 Baths |
| Year Built | Built 2022 |
| Square Footage | 2,530 sqft Heated Area |
| Lot Size | 43,734 sqft (1 acres) |
| Garage | Finished |
| Occupancy | Owner Occupied |
| Last Sale | $700,000 (2022) |
| Tax Bill | $8,320.00 (2025) |
| Primary APN | 103152 |
|---|---|
| Alternative APN |
|
| Full Baths | 7 Baths |
|---|---|
| Partial Baths | 3 Partial Baths |
| Building Area | 2,530 sqft Heated Area |
| Gross Area | 3,800 sqft Gross Area |
| Stories | 1 Stories |
| Primary Flooring | Tile Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Fiber Cement Siding (Hardi-Board/Hardi-Plank) Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 43,734 sqft (1 acres) |
| Garage Type | Finished Garage |
| Pool Area | 36 sqft Pool |
|---|---|
| Fence | Fence |
| Deck Area | 702 sqft Deck |
| Porch | Open Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Account Number | 103152 |
|---|---|
| Street Address | 7045 RANCHERO CT |
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8392 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | BAY LAKE RANCH UNIT THREE PB 4 PG 59-61 LOT 135 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 | 7,135 |
| Legal Unit | H |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | SOUTH AND EAST OSCEOLA |
| Census Blockgroup | 1 |
| Census Block | 1017 |
| Census Tract | 43801 |
Source: Osceola County records · APN 103152
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 |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 7045 RANCHERO CT, SAINT CLOUD, FL 34771-8392 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Oct 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage STREAMLINE MORTGAGE SOLUTIONS INC |
| Aug 04, 2021 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BELL BANK |
| Feb 15, 2021 | Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 19, 2022 · Amount on Record |
| Deed Sale | Oct 19, 2022 · Amount on Record |
| Prior Sale | Aug 04, 2021 · Amount on Record |
| Deed Doc Number | 2022154707 |
| Deed Book / Page | 6302 / 429 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 19, 2022 |
| Property Address | 7045 RANCHERO CT, SAINT CLOUD, FL 34771-8392 |
| Document Number | 0063020429 |
| Book / Page | 6302 / 429 |
| Map Reference | MB 4 PG 59-61 |
| Instrument Date | Oct 14, 2022 |
| Instrument | 2022154707 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $4,900.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 14236 BELLA LN, ORLANDO, FL 32832-5740 |
| Name | Verified Name |
|---|---|
| Address | 7045 RANCHERO CT, SAINT CLOUD, FL 34771-8392 |
| Document Number | 0006302431 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 6302/431 |
| Name | STREAMLINE MORTGAGE SOLUTIONS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Aug 04, 2021 |
| Property Address | 7045 RANCHERO CT, SAINT CLOUD, FL 34771-8392 |
| Document Number | 0060161276 |
| Book / Page | 6016 / 1276 |
| Map Reference | MB 4 PG 59-61 |
| Instrument Date | Jul 30, 2021 |
| Instrument | 2021120955 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | FIRST INTERNATIONAL TITLE, FIRST INTERNATIONAL TTL INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,780.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782 |
| Name | Verified Name |
|---|---|
| Address | 1709 SNAPPER ST, SAINT CLOUD, FL 34771-7533 |
| Document Number | 0060161278 |
|---|---|
| Date | Aug 04, 2021 |
| Instrument | 6016/1278 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 368 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 15, 2021 |
| Property Address | 7045 RANCHERO CT, SAINT CLOUD, FL 34771-8392 |
| Document Number | 0058902787 |
| Book / Page | 5890 / 2787 |
| Map Reference | MB 4 PG 59-61 |
| Instrument Date | Feb 12, 2021 |
| Instrument | 2021021344 |
| Transaction Type | Transfer |
| Record Updated | Jan 22, 2024 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE PROFESSIONALS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $665.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4 EDGEWOOD DR, KATONAH, NY 10536-3139 |
| Name | Verified Name |
|---|---|
| Address | 1136 NEW YORK AVE, SAINT CLOUD, FL 34769-3782 |
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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,320.00 (-4.57%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $595,000 (+2.62%) Land $108,000 Building $487,000 | $595,000 (+2.62%) Land $108,000 Building $487,000 |
| 2023 | $8,718.00 (+471.3%) | $579,800 (+752.65%) Land $85,000 Building $494,800 | $579,800 (+752.65%) Land $85,000 Building $494,800 |
| 2022 | $1,526.00 | $68,000 Land $68,000 | $68,000 Land $68,000 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| Wildfire Risk | High above 77% of the US · above 64% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 223 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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