7087 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7087 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,880 sqft · built 2003
Lot Size	1 acres (43,734 sqft)
Owner	Individual Name on File
Last Sale	$480,000 (Mar 2022)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`103157`

Property Details

APN / Parcel Number

Primary APN	`103157`
Alternative APN	`182632259900011400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,880 sqft Heated Area
Gross Area	2,836 sqft
1st Floor Area	1,880 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,734 sqft (1 acres)
Garage Type	Finished
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	288 sqft
Porch	Open Porch
Porch Area	476 sqft
Deck Area	426 sqft
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	103157
Street Address	7087 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 140 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	7,140
Legal Unit	H
Jurisdiction	OSCEOLA FL
Township / Civil Division	SOUTH AND EAST OSCEOLA
Census Block Group	1
Census Block	1017
Census Tract	43801

Owner

7087 Ranchero Ct is owned and occupied by an individual who bought it in March 2022.

Source: Osceola County records, as of December 11, 2025

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	7087 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Aug 21, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Aug 14, 2018	Deed of Trust, Mortgage · Conventional Mortgage MARY A O'SHEA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 29, 2022 · Amount on File
Deed Sale	Mar 29, 2022 · Amount on File
Prior Sale	Aug 21, 2019 · Amount on File
Deed Document Number	2022049633
Deed Book / Page	6181 / 2588
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 29, 2022
Property Address	7087 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Document Number	0061812588
Book / Page	6181 / 2588
Map Reference	MB 4 PG 59-61
Instrument Date	Mar 23, 2022
Instrument	2022049633
Transaction Type	Transfer
Record Updated	Apr 11, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1904 CYPRESS AVE, 1904, SAINT CLOUD, FL 34769-2220

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7087 RANCHERO CT, SAINT CLOUD, FL 34771-8392

Mortgage

Document Number	0061812589
Date	Mar 29, 2022
Instrument	6181/2589

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 21, 2019
Property Address	7087 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Document Number	0055770162
Book / Page	5577 / 0162
Map Reference	MB 4 PG 59
Instrument Date	Aug 21, 2019
Instrument	2019108402
Transaction Type	Transfer
Record Updated	May 2, 2022
Title Company	STEWART TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,401.00
Amount Accuracy	Full Amount Stated
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3020 WOODBURY CT, 3020, CONWAY, SC 29527-5870

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7087 RANCHERO CT, SAINT CLOUD, FL 34771-8392

Mortgage

Document Number	0005577163
Date	Aug 21, 2019
Instrument	5577/163

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7087 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Document Number	0053841593
Instrument Date	Aug 14, 2018
Transaction Type	Mortgage
Record Updated	Aug 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7087 RANCHERO CT ST CLOUD FL 347718392, ST CLOUD, FL 34771-8392

Mortgage

Document Number	0053841593
Date	Aug 14, 2018
Book Page	005384/001593
Instrument	123947

Lender

Name	MARY A O'SHEA
Address	1550 YARDLEY CT, KISSIMMEE, FL 34744-4051

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 7087 Ranchero Ct was $4,765 with a homeowner's exemption.

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	$4,765.00 Homeowner's exemption	$333,350	$443,800 Land $108,000 Building $335,800
2023	$4,453.00 (+14.86%) Homeowner's exemption	$314,521 (+13.81%)	$394,200 (+21.7%) Land $85,000 Building $309,200
2022	$3,877.00 Homeowner's exemption	$276,353	$323,900 Land $68,000 Building $255,900

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

Flood

FEMA maps place 7087 Ranchero Ct in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2002.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 7087 Ranchero Ct is high, ranking above 76% of the US, with a 0.4% annual chance of 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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