7098 Ranchero Ct, Saint Cloud, FL 34771 Property Records

Osceola County property record for 7098 Ranchero Ct, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,907 sqft · built 2007
Lot Size	1.28 acres (56,105 sqft)
Owner	2 Individual Names on Record
Last Sale	$217,300 (Mar 2018)
Tax Bill	$5,072 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Oct 2024 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`18-26-32-2599-0001-1070`

Property Details

APN / Parcel Number

Primary APN	`18-26-32-2599-0001-1070`
Alternative APNs	`263218259900011070` `103124`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,907 sqft Living Area
Gross Area	4,443 sqft
1st Floor Area	1,979 sqft
Upper Floors Area	928 sqft
Attic	Attic
Attic Area	401 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete Block
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	56,105 sqft (1.28 acres)
Garage Type	Detached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Finished/Open Porch
Porch Area	840 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Central

Location & Zoning

Street Address	7098 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 107 07/26/32
Legal Range	32E
Legal Township	26S
Legal Section	18
Legal Subdivision	BAY LAKE RANCH UNIT 3
Legal Tract	2599
Legal Block	1070
Legal Lot Number	107
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 August 5, 2026

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	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 24, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Oct 14, 2024	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Apr 19, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROU
Mar 7, 2018	Warranty Deed, Transfer · FHA Mortgage THE MORTGAGE FIRM INC
Aug 2, 2017	Warranty Deed, Transfer QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2018 · Amount on Record
Deed Sale	Mar 7, 2018 · Amount on Record
Prior Sale	Aug 2, 2017 · Amount on Record
Deed Document Number	201838768
Deed Book / Page	5297 / 2052
Last Transfer Date	Apr 7, 2022
Transfer Doc	0061960562
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 24, 2026
Property Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Document Number	0000096852
Book / Page	7009 / 353
Instrument Date	Jul 11, 2026
Instrument	202696852
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	0000096852,
Date	Jul 24, 2026
Book Page	7009/353
Instrument	202696852

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Aug 1, 2066

Interest

Rate	6.52%
Max Rate	-1%

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Transaction Type	Mortgage
Record Updated	Jun 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	0066772853
Date	Oct 14, 2024
Book Page	6677/2853
Instrument	2024129560

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Nov 1, 2064

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Apr 19, 2022
Property Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Document Number	0061960562
Book / Page	6196 / 562
Map Reference	MB 4 PG 59-61
Instrument Date	Apr 7, 2022
Instrument	2022061001
Transaction Type	Transfer
Record Updated	May 4, 2022
Title Company	STEWART TITLE COMPANY-F, STEWART TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7098 RANCHERO CT, 7098, SAINT CLOUD, FL 34771-8391

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	0006196563
Date	Apr 19, 2022
Instrument	6196/563

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROU
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2018
Property Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Document Number	0052972052
Book / Page	5297 / 2052
Map Reference	MB4 PG59-61
Instrument Date	Mar 6, 2018
Instrument	2018038768
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,521.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 702061, SAINT CLOUD, FL 34770-2061

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391

Mortgage

Document Number	2018038769
Date	Mar 7, 2018
Instrument	2018038769

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2048

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2017
Property Address	7098 RANCHERO CT, SAINT CLOUD, FL 34771-8391
Document Number	0051880399
Book / Page	005188 / 000399
Instrument Date	Jul 28, 2017
Instrument	111453
Transaction Type	Transfer
Record Updated	Aug 25, 2017
Title Company	QUALITY TITLE AND ESCROW LLC, QUALITY TITLE & ESCROW LLC

Transaction

Amount	Amount Recorded
Tax	$1,400.00
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 702061 ST CLOUD FL 347702061, ST CLOUD, FL 34770-2061

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	$5,072.00 (+4.73%) Homeowner's exemption	$355,510 (+5.99%)	$575,000 (+19.27%) Land $108,000 Building $467,000
2024	$4,843.00 (+2.07%)
2023	$4,745.00 (+3.92%) Homeowner's exemption	$335,429 (+3%)	$482,100 (+22.08%) Land $85,000 Building $397,100
2022	$4,566.00 Homeowner's exemption	$325,660	$394,900 Land $68,000 Building $326,900

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	0.6% 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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