5124 Star Ruby Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5124 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

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	$255,990 (2018)
Tax Bill	$3,802.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`052631010100011380`

Interior

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	Tile Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	5124 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 138
Legal Range	31E
Legal Township	26S
Legal Section	05
Legal Subdivision	CANOPY WALK
Legal Tract	101
Legal Lot Number	138
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	3
Census Block	3050
Census Tract	43700

Owner

Source: Osceola County records · APN 052631010100011380

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	5124 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Sep 26, 2023	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Sep 20, 2019	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LAKEVIEW LN SERVICING
Feb 28, 2019	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERIHOME MTG
May 16, 2018	Special Warranty Deed, Subdivision Related Transfer · Federal Housing Administration (FHA) Mortgage DHI MORTGAGE COMPANY LTD
Mar 22, 2018	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 16, 2018 · Amount on Record
Deed Sale	May 16, 2018 · Amount on Record
Deed Doc Number	2018077557
Deed Book / Page	5335 / 0359
Record Refreshed	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5124 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Transaction Type	Mortgage
Record Updated	Oct 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5124 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number	0064791465
Date	Sep 26, 2023
Book Page	6479/1465
Instrument	2023126119

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	313 Months
Due	Oct 01, 2049

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5124 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number	0055980454
Instrument Date	Sep 20, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	5124 STAR RUBY AVE ST CLOUD FL 347718562, ST CLOUD, FL 34771-8562

Mortgage

Document Number	0055980454
Date	Oct 01, 2019
Book Page	005598/000454
Instrument	126470

Lender

Name	LAKEVIEW LN SERVICING
Type	Funding / Finance Company
Address	CORAL GABLES, FL 33146

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5124 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

Transaction

Additional	Multiple parcels conveyed, unknown impact to APN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	5112 STAR RUBY AVE ST CLOUD FL 347718562, ST CLOUD, FL 34771-8562

Mortgage

Document Number	0054892024
Date	Mar 11, 2019
Book Page	005489/002024
Instrument	31007

Lender

Name	AMERIHOME MTG
Type	Mortgage Company
Address	THOUSAND OAKS, CA 91362-3888

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 10, 2049

May 2018: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 16, 2018
Property Address	5124 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number	0053350359
Book / Page	5335 / 0359
Map Reference	MB25 PG157&158
Instrument Date	May 11, 2018
Instrument	2018077557
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	DHI TITLE OF FLORIDA INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,792.00
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6200 LEE VISTA BLVD STE 400, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5124 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number	2018077558
Date	May 16, 2018
Instrument	2018077558

Lender

Name	DHI MORTGAGE COMPANY LTD
Type	Mortgage Company

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2048

March 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 22, 2018
Property Address	5124 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

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	6200 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

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,802.00 (+6.23%) Homeowner's exemption	$255,318 (+5.99%)	$346,100 (+3.56%) Land $70,000 Building $276,100
2023	$3,579.00 (+3.59%) Homeowner's exemption	$240,897 (+3%)	$334,200 (+15.52%) Land $65,000 Building $269,200
2022	$3,455.00 Homeowner's exemption	$233,881	$289,300 Land $60,000 Building $229,300

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

5124 Star Ruby Ave, Saint Cloud, FL 34771 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

September 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2019: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2019: Deed of Trust, Mortgage

Transaction

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

May 2018: Special Warranty Deed, Subdivision Related Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2018: Grant Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Star Ruby Ave

Nearby Streets

Search Property Records by Address or Parcel Number