Osceola County property record for 5122 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 5 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,674 sqft Heated Area |
| Lot Size | 5,663 sqft (0.13 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $294,990 (2018) |
| Tax Bill | $4,171.00 (2025) |
| Primary APN | 052631010100011370 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,674 sqft Heated Area |
| Gross Area | 3,244 sqft Gross Area |
| 1st Floor | 1,106 sqft 1st Floor |
| Upper Floors | 1,568 sqft Upper Floors |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Stucco Exterior |
| Construction Type | Frame Construction |
| 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 | 462 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 108 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5122 STAR RUBY AVE |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8562 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | CANOPY WALK PB 25 PGS 157-158 LOT 137 |
| Legal Range | 31E |
| Legal Township | 26S |
| Legal Section | 05 |
| Legal Subdivision | CANOPY WALK |
| Legal Tract | 101 |
| Legal Lot Number | 137 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 3 |
| Census Block | 3050 |
| Census Tract | 43700 |
Source: Osceola County records · APN 052631010100011370
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 | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Dec 18, 2023 | Deed of Trust, Mortgage · Line of Credit COASTAL COMMUNITY BANK |
| Mar 04, 2021 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FBC MORTGAGE LLC |
| Feb 28, 2019 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERIHOME MTG |
| Sep 26, 2018 | Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage FBC MORTGAGE LLC |
| Mar 22, 2018 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 26, 2018 · Amount on Record |
| Deed Sale | Sep 26, 2018 · Amount on Record |
| Deed Doc Number | 2018144574 |
| Deed Book / Page | 5407 / 0252 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Transaction Type | Mortgage |
| Record Updated | Jan 05, 2024 |
| Name | Verified Name |
|---|---|
| Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Document Number | 0065201662 |
|---|---|
| Date | Dec 18, 2023 |
| Book Page | 6520/1662 |
| Instrument | 2023163888 |
| Name | COASTAL COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | BURLINGAME, CA 94010 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly (Revolving credit lines are monthly unless stated otherwise). |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | CLEAR TITLE/FL LLC, CLEAR TITLE OF FLORIDA LLC |
| Name | Verified Name |
|---|---|
| Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Document Number | 0059041583 |
|---|---|
| Date | Mar 04, 2021 |
| Book Page | 5904/1583 |
| Instrument | 2021032269 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | ORLANDO, FL 32801 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| 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 | Sep 26, 2018 |
| Property Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Document Number | 0054070252 |
| Book / Page | 5407 / 0252 |
| Map Reference | MB25 PG157&158 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 2018144574 |
| Transaction Type | 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 | $2,065.00 |
| 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 | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| Document Number | 2018144575 |
|---|---|
| Date | Sep 26, 2018 |
| Instrument | 2018144575 |
| Name | FBC MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2048 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 22, 2018 |
| Property Address | 5122 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562 |
| 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 | $4,171.00 (+6.29%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $280,910 (+5.99%) | $375,600 (+3.53%) Land $70,000 Building $305,600 |
| 2023 | $3,924.00 (+3.59%) Homeowner's exemption Disabled Person's exemption Veteran's exemption | $265,043 (+3%) | $362,800 (+15.65%) Land $65,000 Building $297,800 |
| 2022 | $3,788.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption | $257,324 | $313,700 Land $60,000 Building $253,700 |
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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