3693 RICKY LN, ST CLOUD, FL, 34772
Active86 days on marketListed Apr 25, 2026MLS #O6402324
About this home
3693 RICKY LN
Welcome to serene lakefront living with peaceful conservation views and no rear neighbors. This beautifully maintained three-bedroom, two-bathroom home offers the perfect blend of comfort, style, and privacy. From the moment you arrive, mature landscaping and a distinctive front entry create a warm welcome, while abundant natural light fills the home. Inside, the spacious great room features soaring vaulted ceilings and durable ceramic tile flooring, creating a bright, open space that's perfect for both everyday living and entertaining. The thoughtfully designed open floor plan maximizes every square foot for comfortable, functional living.The well-appointed kitchen combines style and practicality with Corian countertops and a full suite of appliances, including a newer refrigerator, range, microwave, and dishwasher, all offering a clean, cohesive look. Designed for privacy, the split-bedroom floor plan features a spacious primary suite with ceramic tile flooring, a beautifully tiled walk-in shower, dual vanities, walk-in closet, and plenty of room to unwind. Step outside to your own private backyard retreat, where tranquil lake and conservation views provide the perfect setting for morning coffee, evening gatherings, or relaxing around the fire pit while enjoying peaceful Florida sunsets. Additional updates include a 2018 roof and a 2019 HVAC system, providing added value and peace of mind. The home is also equipped with high-speed fiber internet availability through both AT&T Fiber and T-Mobile Fiber. Residents enjoy a community playground, scenic walking trails, and dog-friendly green spaces. Conveniently located just two miles from the Florida Turnpike, this home offers easy access to Lake Nona Medical City, Orlando International Airport, East Lake Tohopekaliga, local golf courses, premier shopping and dining, and Walt Disney World and other Central Florida attractions. This exceptional home truly combines comfort, convenience, and natural beauty. Seller is motivated! Ask about available seller concessions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,438
Sqft
0.2 ac
Lot size
2
Garage
2007
Year built
One
Levels
$240
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,603 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,603/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+9.2%
$/sqft vs St Cloud actives
$240 vs $221
Days on market
86 vs 33 typical
Where $240/sqft sits among the 400 St Cloud actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Deer Creek
Drive times from this address
Get to know St Cloud. See the full St Cloud guide →
Deer Creek — neighborhood snapshot
Population
2,581
Median age
40
Median income
$95,082
Median home value
$355,000
Avg household
4
Households w/ children
308
For the school run
Osceola County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Cloud market
$414K → $400K
St Cloud median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
188 of 400
St Cloud actives have cut their price
Median sold price, St Cloud, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the ST CLOUD 34772 median. See the full St Cloud market guide →
Paper trail
This home's history
Reality check
What actually sold near 3693 RICKY LN
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$300,000
2523 BOBBY LEE LANE · same community
3 bd · 2 ba · 1,522 sqft · $197/sqft · 6 DOM
Sold · Apr ’26$359,900
3705 RICKY LANE · same community
4 bd · 2 ba · 1,707 sqft · $211/sqft · 19 DOM
Sold · Aug ’25$360,000
2541 BOBBY LEE LANE · same community
3 bd · 2 ba · 1,715 sqft · $210/sqft · 25 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 3693 RICKY LN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3693 RICKY LN — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3693 RICKY LN FAQs
What would the monthly payment be for 3693 RICKY LN?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,603/mo — principal and interest, the actual property-tax bill, the $47/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 3693 RICKY LN?+
The association fee works out to $47 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3693 RICKY LN?+
The most recent tax bill on record (2025) was $2,548. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 3693 RICKY LN?+
The listing reports pets: Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Cloud?+
At $345,000, this home is listed about 19% below the St Cloud median of $425,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3693 RICKY LN?+
St. Cloud Middle School (middle), Hickory Tree Elementary School (elementary), Harmony High School (high) — Osceola County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the ST CLOUD 34772 market on paper
$345,000 is 7% below the ST CLOUD 34772 median of $369,999.
02Time on market is leverage
86 days on market against a St Cloud median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $350,000, now $345,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PETRA WORLDWIDE · Michelle Fournier. MLS #O6402324.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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