7050 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7050 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,662 sqft · built 1990
Lot Size	1.43 acres (62,509 sqft)
Owner	2 Individual Names on Record
Last Sale	$325,000 (Apr 2020)
Tax Bill	$4,238 (2025)
Deeds & Mortgages	May 2023 Second Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103130`

Property Details

APN / Parcel Number

Primary APN	`103130`
Alternative APN	`182632259900011130`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,662 sqft Heated Area
Gross Area	2,520 sqft
1st Floor Area	1,662 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	62,509 sqft (1.43 acres)
Garage Type	Finished
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	312 sqft
Porch	Open Porch
Porch Area	330 sqft
Deck Area	344 sqft
Fence	Fence
Shed	1 Shed
Shed Area	80 sqft
Pole Barn	240 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103130
Street Address	7050 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 113 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	7,113
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 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	7050 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 24, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARTNERS FCU
Oct 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage RESOURCE FINANCIAL SERVICES INC
Apr 30, 2020	Warranty Deed, Transfer · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Jun 23, 2015 · Amount on Record
Deed Document Number	0057161066
Deed Book / Page	5716 / 1066
Record Updated	Jun 8, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7050 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Transaction Type	Mortgage
Record Updated	Jun 6, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7050 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	0064130603
Date	May 24, 2023
Book Page	6413/603
Instrument	2023067048

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 2, 2038

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7050 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Transaction Type	Mortgage
Record Updated	Aug 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7050 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	0060660755
Date	Oct 15, 2021
Book Page	6066/755
Instrument	2021161034

Lender

Name	RESOURCE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	COLUMBIA, SC 29205

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 30, 2020
Property Address	7050 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Document Number	0057161066
Book / Page	005716 / 001066
Instrument Date	Apr 30, 2020
Instrument	59114
Transaction Type	Transfer
Record Updated	Jun 23, 2020
Title Company	EQUITABLE TITLE/W ORLANDO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,275.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7050 RANCHERO CT ST CLOUD FL 347718391, ST CLOUD, FL 34771-8391

Mortgage

Document Number	57161068
Date	Apr 30, 2020
Book Page	005716/001068
Instrument	59115

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 29, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,238.00 (+7.24%) Homeowner's exemption	$295,334 (+5.99%)	$408,500 (+12.81%) Land $108,000 Building $300,500
2023	$3,952.00 (+4.11%) Homeowner's exemption	$278,652 (+3%)	$362,100 (+20.46%) Land $85,000 Building $277,100
2022	$3,796.00 Homeowner's exemption	$270,536	$300,600 Land $68,000 Building $232,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 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.

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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