7097 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7097 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,247 sqft · built 1996
Lot Size	1 acres (43,734 sqft)
Owner	2 Company Names on Record
Last Sale	$18,300 (Feb 1996)
Tax Bill	$712 (2025)
Deeds & Mortgages	Aug 2026 Sale Apr 2018 Transfer
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-2599-0001-1430`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-1430`
Alternative APNs	`263218259900011430` `103160`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,247 sqft Living Area
Gross Area	3,052 sqft
1st Floor Area	1,319 sqft
Upper Floors Area	928 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	L-Shape
Exterior Material	Aluminum Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	43,734 sqft (1 acres)
Garage Type	Attached
Garage Area	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Florida Room
Porch Area	557 sqft
Patio Area	192 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	7097 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 143 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	1430
Legal Lot Number	143
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 August 28, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	7097 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Aug 14, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Apr 6, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 27, 1996 · Amount on Record
Deed Sale	Feb 27, 1996 · Amount on Record
Deed Book / Page	1310 / 785
Last Transfer Date	Mar 9, 2018
Transfer Doc	0053121811
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 14, 2026
Property Address	7097 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Document Number	0000106555
Book / Page	7020 / 1010
Instrument Date	Aug 13, 2026
Instrument	2026106555
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$70.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust
Address	7097 RANCHERO CT, SAINT CLOUD, FL 34771-8392

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2018
Property Address	7097 RANCHERO CT, SAINT CLOUD, FL 34771-8392
Document Number	0053121811
Book / Page	005312 / 001811
Instrument Date	Mar 9, 2018
Instrument	54248
Transaction Type	Transfer
Record Updated	May 22, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	6503 COTTAGE LN ST CLOUD FL 347718811, ST CLOUD, FL 34771-8811

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	$712.00 (+14.65%) Homeowner's exemption Veteran's exemption	$179,405 (+5.99%)	$425,300 (+12.87%) Land $108,000 Building $317,300
2023	$621.00 (+7.81%) Homeowner's exemption Disabled Person's exemption Veteran's exemption	$169,271 (+3%)	$376,800 (+22.1%) Land $85,000 Building $291,800
2022	$576.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$164,341	$308,600 Land $68,000 Building $240,600

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
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 69% 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 40 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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