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5105 Star Ruby Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5105 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms4 Baths
Year BuiltBuilt 2018
Square Footage2,884 sqft Heated Area
Lot Size5,663 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$367,000 (2021)
Tax Bill$5,848.00 (2025)

Property Details

APN / Parcel Number

Primary APN052631010100011230

Interior

Bedrooms5 Beds
Full Baths4 Baths
Partial Baths1 Partial Baths
Building Area2,884 sqft Heated Area
Gross Area3,465 sqft Gross Area
1st Floor1,324 sqft 1st Floor
Upper Floors1,560 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,663 sqft (0.13 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area483 sqft Garage
FenceFence
PorchOpen Porch
Porch Area98 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5105 STAR RUBY AVE
CitySAINT CLOUD
StateFL
Zip34771-8561
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCANOPY WALK PB 25 PGS 157-158 LOT 123
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionCANOPY WALK
Legal Tract101
Legal Lot Number123
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3076
Census Tract43700

Owner

Source: Osceola County records · APN 052631010100011230

Assessment roll updated July 1, 2025 · Last verified December 2025

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

Owner of RecordIndividual Name on File
Co-ownerVerified Secondary Owner
Mailing Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jun 15, 2021Warranty Deed, Transfer · Veterans Administration Mortgage
T2 FINANCIAL LLC
Apr 23, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PLANET HM LNDG
Feb 28, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERIHOME MTG
Feb 05, 2019Grant Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
COLUMBUS CAP LNDG
Mar 22, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJun 15, 2021 · Amount on Record
Deed SaleJun 15, 2021 · Amount on Record
Prior SaleFeb 05, 2019 · Amount on Record
Deed Doc Number2021092928
Deed Book / Page5981 / 840
Record RefreshedJun 08, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJun 15, 2021
Property Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0059810840
Book / Page5981 / 840
Map ReferenceMB 25 PG 157&158
Instrument DateJun 11, 2021
Instrument2021092928
Transaction TypeTransfer
Record UpdatedJul 06, 2021
Title CompanyATTORNEY

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,569.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address7915 JUBILEE PARK BLVD # BLVD2113, 7915, ORLANDO, FL 32822-5249

Transferred To (Grantee/Buyer)

NameVerified Name
Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561

Mortgage

Document Number5981842
DateJun 15, 2021
Instrument5981/842
Lender
NameT2 FINANCIAL LLC
TypeNon-Lending Institution
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueJul 01, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0057172542
Instrument DateApr 23, 2020
Transaction TypeMortgage
Record UpdatedJun 25, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5105 STAR RUBY AVE ST CLOUD FL 347718561, ST CLOUD, FL 34771-8561

Mortgage

Document Number0057172542
DateMay 05, 2020
Book Page005717/002542
Instrument60287
Lender
NamePLANET HM LNDG
AddressMERIDEN, CT 06450
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 04, 2050

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0054892024
Instrument DateFeb 28, 2019
Transaction TypeMortgage
Record UpdatedMar 27, 2019
Title CompanyOTHER

Transaction

Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5112 STAR RUBY AVE ST CLOUD FL 347718562, ST CLOUD, FL 34771-8562

Mortgage

Document Number0054892024
DateMar 11, 2019
Book Page005489/002024
Instrument31007
Lender
NameAMERIHOME MTG
TypeMortgage Company
AddressTHOUSAND OAKS, CA 91362-3888
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMar 10, 2049

February 2019: Grant Deed, Subdivision Related Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateFeb 05, 2019
Property Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0054722108
Book / Page005472 / 002108
Instrument DateJan 31, 2019
Instrument14903
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 15, 2019
Title CompanyDHI TITLE/FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,068.43
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5105 STAR RUBY AVE ST CLOUD FL 347718561, ST CLOUD, FL 34771-8561

Mortgage

Document Number54722109
DateFeb 05, 2019
Book Page005472/002109
Instrument14904
Lender
NameCOLUMBUS CAP LNDG
TypeFunding / Finance Company
AddressMIAMI, FL 33176
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueFeb 04, 2049

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2018
Property Address5105 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0053051091
Book / Page005305 / 001091
Instrument DateMar 16, 2018
Instrument46421
Transaction TypeTransfer
Record UpdatedApr 17, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
MunicipalitySt. Cloud City
Unified School DistrictOsceola County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2025$5,848.00 (+5.9%) Homeowner's exemption$369,637 (+5.99%)$405,300 (+3.42%) Land $70,000 Building $335,300
2023$5,522.00 (+3.37%) Homeowner's exemption$348,758 (+3%)$391,900 (+15.74%) Land $65,000 Building $326,900
2022$5,342.00 Homeowner's exemption$338,600 Land $60,000 Building $278,600$338,600 Land $60,000 Building $278,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo

Wildfire

Wildfire RiskModerate
above 53% of the US · above 23% of Florida
Wildfire LikelihoodAbout 1 in 806 per year
ExposureIndirect
within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

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