Osceola County property record for 5107 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,846 sqft Heated Area |
| Lot Size | 5,663 sqft (0.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $327,000 (2021) |
| Tax Bill | $4,906.00 (2025) |
| Primary APN | 052631010100011220 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,846 sqft Heated Area |
| Gross Area | 2,395 sqft Gross Area |
| 1st Floor | 1,846 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 5,663 sqft (0.13 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 441 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 108 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5107 STAR RUBY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8561 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOPY WALK PB 25 PGS 157-158 LOT 122 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 05 |
| Legal Subdivision | CANOPY WALK |
| Legal Tract | 101 |
| Legal Lot Number | 122 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3076 |
| Census Tract | 43700 |
Source: Osceola County records · APN 052631010100011220
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 Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jul 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 29, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage USAA FSB |
| Feb 28, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERIHOME MTG |
| Feb 28, 2019 | Special Warranty Deed, Subdivision Related Transfer · Veterans Administration Mortgage DHI MORTGAGE COMPANY LTD |
| Mar 22, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 28, 2021 · Amount on Record |
| Deed Sale | Jul 28, 2021 · Amount on Record |
| Prior Sale | Feb 28, 2019 · Amount on Record |
| Deed Doc Number | 2021116571 |
| Deed Book / Page | 6010 / 2994 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jul 28, 2021 |
| Property Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Document Number | 0060102994 |
| Book / Page | 6010 / 2994 |
| Map Reference | MB 25 PG 157&158 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 2021116571 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | TITLE EXPERTS/S FL INC, TITLE EXPERTS OF SOUTH FL IN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,289.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5107 STAR RUBY AVE, 5107, SAINT CLOUD, FL 34771-8561 |
| Name | Verified Name |
|---|---|
| Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Document Number | 60102995 |
|---|---|
| Date | Jul 28, 2021 |
| Instrument | 6010/2995 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0058600807 |
|---|---|
| Date | Dec 29, 2020 |
| Book Page | 5860/807 |
| Instrument | 2020176388 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Address | SAN ANTONIO, TX 78288 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Document Number | 0054892024 |
| Instrument Date | Feb 28, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Mar 27, 2019 |
| Title Company | OTHER |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5112 STAR RUBY AVE ST CLOUD FL 347718562, ST CLOUD, FL 34771-8562 |
| Document Number | 0054892024 |
|---|---|
| Date | Mar 11, 2019 |
| Book Page | 005489/002024 |
| Instrument | 31007 |
| Name | AMERIHOME MTG |
|---|---|
| Type | Mortgage Company |
| Address | THOUSAND OAKS, CA 91362-3888 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 10, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 28, 2019 |
| Property Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Document Number | 0054832362 |
| Book / Page | 5483 / 2362 |
| Map Reference | MB 25 PG 157&158 |
| Instrument Date | Feb 26, 2019 |
| Instrument | 2019025592 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | DHI TITLE OF FLORIDA INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,859.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149 |
| Name | Verified Name |
|---|---|
| Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Document Number | 2019025593 |
|---|---|
| Date | Feb 28, 2019 |
| Instrument | 2019025593 |
| Name | DHI MORTGAGE COMPANY LTD |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2049 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 22, 2018 |
| Property Address | 5107 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561 |
| Document Number | 0053051091 |
| Book / Page | 005305 / 001091 |
| Instrument Date | Mar 16, 2018 |
| Instrument | 46421 |
| Transaction Type | Transfer |
| Record Updated | Apr 17, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6200 LEE VISTA BLVD #400 ORLANDO FL 328225149, 400, ORLANDO, FL 32822-5149 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,906.00 (+6.03%) Homeowner's exemption | $317,019 (+5.99%) | $347,300 (+3.52%) Land $70,000 Building $277,300 |
| 2023 | $4,627.00 (+3.42%) Homeowner's exemption | $299,112 (+3%) | $335,500 (+15.53%) Land $65,000 Building $270,500 |
| 2022 | $4,474.00 Homeowner's exemption | $290,400 Land $60,000 Building $230,400 | $290,400 Land $60,000 Building $230,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Moderate above 53% of the US · above 23% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 806 per year |
| Exposure | Indirect within ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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