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Single Family ResidenceResidential
$491,286$219 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 92How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

7097 RANCHERO CT

SAINT CLOUD, FL 34771
3
Beds
3 / 1
Baths
2,247 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
1 ac
Lot SizeThe size of the land the home sits on, from county records.
1996
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$491K
$453K low$530K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$383,002
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$306,402
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.21%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$108,284
JPMORGAN CHASE BANK NA · recorded Sep 18, 2012

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$713 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$179,405 (2025)
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$174,349
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$425,300

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.51
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
46
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
98
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
81
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
32
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyOsceola
Lot (acres)The size of the land the home sits on, from county records.1.00
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Footing
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Yes
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Finished
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 192 ft²Patio · 192 ft²Porch · 557 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Harmony Community SchoolA
Elementary · Grades KG–5 · 2.5 mi
H
Harmony High SchoolC+
High · Grades 9–12 · 3.4 mi
M
Harmony Middle SchoolB
Middle · Grades 6–8 · 3.7 mi

District: Osceola County School District

Neighborhood · ZIP 34771These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.58
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.121
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.25

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.26%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.32,736
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.250 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$92,584
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,946
Average tempThe average temperature here across a full year.72°F
Annual precipHow much rain and melted snow falls here in a typical year.51 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.64%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

7097 Ranchero Ct measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 83% of homes in Osceola County
  • Costs more per square foot than 68% of homes in Osceola County
  • Bigger than 74% of homes in Osceola County
  • Has a bigger lot than 96% of homes in Osceola County
  • Older than 83% of homes in Saint Cloud 34771

What homes are worth in Saint Cloud 34771

Each bar is how many homes fall in that price range. The marker is this home.

This home
$271K$887K

This home is worth more than 63% of homes in Saint Cloud 34771.

How it measures up in Saint Cloud 34771

The dot is this home. The mark in the middle is the typical home in Saint Cloud 34771.

Estimated value$491,286
CheaperTypical $446,705Pricier

Pricier than 63% of homes nearby

Price per ft²$219
CheaperTypical $209Pricier

Pricier than 61% of homes nearby

Living area2,247 ft²
SmallerTypical 2,059 ft²Bigger

Bigger than 62% of homes nearby

Lot size1 ac
SmallerTypical 0.17 acBigger

Bigger than 90% of homes nearby

Year built1996
OlderTypical 2019Newer

Newer than 17% of homes nearby

How 7097 Ranchero Ct ranks against every home in each area.
MeasureThis homeSaint Cloud 34771Osceola County
Estimated valuepricier than$491,28663% of homes83% of homes
Price per ft²pricier than$21961% of homes68% of homes
Living areabigger than2,247 ft²62% of homes74% of homes
Lot sizebigger than1 ac90% of homes96% of homes
Year builtnewer than199617% of homes30% of homes

About 7097 Ranchero Ct

How much is 7097 Ranchero Ct, Saint Cloud, FL worth?

The TopHap Estimate for 7097 Ranchero Ct, Saint Cloud, FL is $491,286 as of Jul 14, 2026. The likely range is $452,864 to $529,708. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 7097 Ranchero Ct, Saint Cloud, FL?

7097 Ranchero Ct, Saint Cloud, FL has 3 bedrooms, 3 bathrooms, 2,247 square feet of living space and a 1.00-acre lot.

When was 7097 Ranchero Ct, Saint Cloud, FL built?

7097 Ranchero Ct, Saint Cloud, FL was built in 1996, making it 30 years old. The building has 2 stories.

What schools serve 7097 Ranchero Ct, Saint Cloud, FL?

7097 Ranchero Ct, Saint Cloud, FL is assigned to Harmony Community School (elementary), rated A; Harmony High School (high), rated C+; Harmony Middle School (middle), rated B. All sit in Osceola County School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 7097 Ranchero Ct, Saint Cloud, FL compare to other homes in Saint Cloud 34771?

Among the 15,582 homes in Saint Cloud 34771, it is worth more than 63% of them ($491,286 against a typical $446,705), its price per square foot is higher than 61% of them ($219 against a typical $209), it is bigger than 62% of them (2,247 ft² against a typical 2,059 ft²), its lot is bigger than 90% of them (1 ac against a typical 0.17 ac) and it is newer than 17% of them (1996 against a typical 2019). Measured against all of Osceola County, it is worth more than 83% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 7097 Ranchero Ct, Saint Cloud, FL?

The 2025 property tax bill for 7097 Ranchero Ct, Saint Cloud, FL was $713. The county assessed it at $179,405.

Closest homes

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Assigned schools

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