7065 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7065 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,868 sqft · built 1991
Lot Size	1 acres (43,734 sqft)
Owner	Individual Name on Record
Last Sale	$304,500 (Aug 2020)
Tax Bill	$3,992 (2025)
Deeds & Mortgages	Mar 2017 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-2599-0001-1370`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-1370`
Alternative APNs	`263218259900011370` `103154`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,868 sqft Living Area
Gross Area	2,603 sqft
1st Floor Area	1,868 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,734 sqft (1 acres)
Garage Type	Attached
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	231 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	7065 RANCHERO CT
City	SAINT CLOUD
State	FL
Zip	34771-8392
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 137 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	1370
Legal Lot Number	137
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1017
Census Tract	43801

Owner

Source: Osceola County records, as of November 26, 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 Record
Mailing Address	7065 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2017	Deed of Trust, Mortgage FAIRWINDS CU
May 9, 2019	Deed of Trust, Mortgage · FHA Mortgage FOUNDATION MORTGAGE CORP
Aug 10, 2020	Warranty Deed, Transfer · Conventional Mortgage BANKERS MORTGAGE LENDING INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2020 · Amount on Record
Deed Sale	Aug 10, 2020 · Amount on Record
Prior Sale	Mar 14, 2012 · Amount on Record
Deed Document Number	2020105007
Deed Book / Page	5771 / 2124
Prior Transfer Date	Mar 28, 2006
Prior Transfer Doc	0031402267
Record Updated	Jun 8, 2026

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7065 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MORTGAGE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0051212036
Date	Mar 24, 2017
Book Page	5121/2036
Instrument	2017045666

Lender

Name	FAIRWINDS CU
Type	Credit Union
Address	ORLANDO, FL 32801

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Mar 22, 2037

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7065 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0055211965
Date	May 9, 2019
Book Page	5521/1965
Instrument	2019059858

Lender

Name	FOUNDATION MORTGAGE CORP
Type	Mortgage Company
Address	MIAMI BEACH, FL 33139

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 10, 2020
Property Address	7065 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Document Number	0057712124
Book / Page	5771 / 2124
Map Reference	MB 4 PG 59-61
Instrument Date	Aug 7, 2020
Instrument	2020105007
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	A CLEAR CHOICE T&E OF OSCEOL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,131.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7065 RANCHERO CT, 7065, SAINT CLOUD, FL 34771-8392

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7065 RANCHERO CT, SAINT CLOUD, FL 34771-8392

Mortgage

Document Number	0057712125
Date	Aug 10, 2020
Instrument	5771/2125

Lender

Name	BANKERS MORTGAGE LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

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	$3,992.00 (+5.11%) Homeowner's exemption	$277,618 (+5.99%)	$389,400 (+13.4%) Land $108,000 Building $281,400
2024	$3,798.00 (+2.15%)
2023	$3,718.00 (+4.17%) Homeowner's exemption	$261,936 (+3%)	$343,400 (+22.21%) Land $85,000 Building $258,400
2022	$3,569.00 Homeowner's exemption	$254,307	$281,000 Land $68,000 Building $213,000

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 76% of the US · above 63% of Florida
Wildfire Likelihood	0.4% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

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