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5108 Star Ruby Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5108 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified May 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,767 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$246,000 (2018)
Tax Bill$3,528.00 (2024)

Property Details

APN / Parcel Number

Primary APN05-26-31-0101-0001-1300
Alternative APN
  • 263105010100011300

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,767 sqft Living Area
Gross Area2,257 sqft Gross Area
1st Floor1,767 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,662 sqft (0.13 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area462 sqft Garage
Porch Area28 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5108 STAR RUBY AVE
CitySAINT CLOUD
StateFL
Zip34771-8562
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionCANOPY WALK PB 25 PGS 157-158 LOT 130
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionCANOPY WALK PH 1
Legal Block1300
Legal Lot Number130
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3050
Census Tract43700

Owner

Source: Osceola County records · APN 05-26-31-0101-0001-1300

Assessment roll updated November 26, 2025 · Last verified May 2026

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

Owner of Record2 Individual Names on File
Mailing Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 28, 2026Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Sep 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
ROCKET MORTGAGE LLC
Feb 28, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERIHOME MTG
Mar 28, 2018Corporation Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage
DHI MORTGAGE COMPANY LTD
Mar 22, 2018Grant Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleMar 28, 2018 · Amount on Record
Deed SaleMar 28, 2018 · Amount on Record
Prior SaleJul 01, 2017 · Amount on Record
Deed Doc Number201849228
Deed Book / Page5307 / 2609
Record RefreshedSep 20, 2026

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Recording DateApr 28, 2026
Property Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number0000055615
Book / Page6962 / 500
Instrument DateApr 23, 2026
Instrument202655615
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyROCKET MORTGAGE LLC

Transferred To (Grantee/Buyer)

NameVerified Name
Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number0000055615,
DateApr 28, 2026
Book Page6962/500
Instrument202655615
Lender
NameROCKET MORTGAGE LLC
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term240 Months
DueMay 01, 2046
Interest
Rate TypeFixed Rate
Rate6.38%
Initial TypeFixed Rate
Max Rate-1%

September 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Transaction TypeMortgage
Record UpdatedOct 13, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0060521347
DateSep 27, 2021
Book Page6052/1347
Instrument2021149748
Lender
NameROCKET MORTGAGE LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2051

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
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

March 2018: Corporation Deed, Subdivision Related Transfer

Document TypeCorporation Deed
JurisdictionOSCEOLA FL
Recording DateMar 28, 2018
Property Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number0053072609
Book / Page5307 / 2609
Map ReferenceMB25 PG157&158
Instrument DateMar 26, 2018
Instrument2018049228
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyDHI TITLE OF FLORIDA INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,722.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

NameVerified Name
Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number2018049229
DateMar 28, 2018
Instrument2018049229
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueApr 01, 2048

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2018
Property Address5108 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
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 November 26, 2025 · Last verified May 2026

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$3,652.00 (+3.51%) Homeowner's exemption$246,920 (+5.99%)$336,700 (+3.66%) Land $70,000 Building $266,700
2024$3,528.00 (+2.68%)
2023$3,436.00 (+3.59%) Homeowner's exemption$232,973 (+3%)$324,800 (+15.63%) Land $65,000 Building $259,800
2022$3,317.00 Homeowner's exemption$226,188$280,900 Land $60,000 Building $220,900

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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