Osceola County property record for 7095 Ranchero Ct, Saint Cloud, FL 34771
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,482 sqft · built 1986 |
| Lot Size | 1 acres (43,734 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $1,743 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 103159 |
| Primary APN | 103159 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,482 sqft Heated Area |
| Gross Area | 1,882 sqft |
| 1st Floor Area | 1,482 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1986 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 43,734 sqft (1 acres) |
| Porch | Open Porch |
|---|---|
| Porch Area | 144 sqft |
| Fence | Fence |
| Shed | 1 Shed |
| Shed Area | 90 sqft |
| Utility Building | 256 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Account Number | 103159 |
|---|---|
| Street Address | 7095 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 PGS 59-61 LOT 142 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 | 7,142 |
| Legal Unit | H |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | SOUTH AND EAST OSCEOLA |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 43801 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 7095 RANCHERO CT, SAINT CLOUD, FL 34771-8392 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 4, 2020 |
| Deed Sale | Mar 4, 2020 |
| Prior Sale | Nov 17, 1995 |
| Deed Document Number | 0005686780 |
| Deed Book / Page | 01550 / 01618 |
| Prior Transfer Date | Nov 12, 1998 |
| Prior Transfer Doc | 0155001618 |
| Record Updated | Jun 8, 2026 |
Source: Osceola County assessment roll, as of July 1, 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,743.00 (+10.39%) Homeowner's exemption | $115,268 (+5.99%) | $316,000 (+14.29%) Land $108,000 Building $208,000 |
| 2023 | $1,579.00 (+5.9%) Homeowner's exemption | $108,758 (+3%) | $276,500 (+22.35%) Land $85,000 Building $191,500 |
| 2022 | $1,491.00 Homeowner's exemption | $105,591 | $226,000 Land $68,000 Building $158,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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.
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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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