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5109 Star Ruby Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5109 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,676 sqft Heated Area
Lot Size5,663 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$255,490 (2018)
Tax Bill$3,600.00 (2025)

Property Details

APN / Parcel Number

Primary APN052631010100011210

Interior

Bedrooms3 Beds
Full Baths2 Baths
Building Area1,676 sqft Heated Area
Gross Area2,266 sqft Gross Area
1st Floor1,676 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
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 Area462 sqft Garage
FenceFence
PorchOpen Porch
Porch Area128 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5109 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 121
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionCANOPY WALK
Legal Tract101
Legal Lot Number121
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3076
Census Tract43700

Owner

Source: Osceola County records · APN 052631010100011210

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 Address5109 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 13, 2020Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC
Feb 28, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERIHOME MTG
Sep 18, 2018Special Warranty 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 SaleSep 18, 2018 · Amount on Record
Deed SaleSep 18, 2018 · Amount on Record
Deed Doc Number2018140458
Deed Book / Page5402 / 2140
Record RefreshedJun 08, 2026

May 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5109 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0057260206
Instrument DateMay 13, 2020
Transaction TypeMortgage
Record UpdatedJul 20, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5109 STAR RUBY AVE ST CLOUD FL 347718561, ST CLOUD, FL 34771-8561

Mortgage

Document Number0057260206
DateMay 22, 2020
Book Page005726/000206
Instrument67161
Lender
NamePENNYMAC
AddressWESTLAKE VILLAGE, CA 91361
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueMay 21, 2050

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5109 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

September 2018: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateSep 18, 2018
Property Address5109 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561
Document Number0054022140
Book / Page5402 / 2140
Map ReferenceMB25 PG157&158
Instrument DateSep 14, 2018
Instrument2018140458
Transaction TypeSubdivision Related Transfer
Record UpdatedFeb 08, 2022
Title CompanyDHI TITLE OF FLORIDA

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,788.50
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
Address5109 STAR RUBY AVE, SAINT CLOUD, FL 34771-8561

Mortgage

Document Number2018140459
DateSep 18, 2018
Instrument2018140459
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2048

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2018
Property Address5109 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$3,600.00 (+6.29%) Homeowner's exemption$244,020 (+5.99%)$331,200 (+3.63%) Land $70,000 Building $261,200
2023$3,387.00 (+3.61%) Homeowner's exemption$230,236 (+3%)$319,600 (+15.38%) Land $65,000 Building $254,600
2022$3,269.00 Homeowner's exemption$223,531$277,000 Land $60,000 Building $217,000

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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