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5128 Star Ruby Ave, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5128 Star Ruby Ave, Saint Cloud, FL 34771 · Last verified August 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms5 Beds
Bathrooms3.5 Baths
Year BuiltBuilt 2018
Square Footage2,884 sqft Living Area
Lot Size5,662 sqft (0.13 acres)
OccupancyOwner Occupied
Last Sale$2,642 (2022)
Tax Bill$7,202.00 (2025)

Property Details

APN / Parcel Number

Primary APN05-26-31-0101-0001-1400
Alternative APN
  • 263105010100011400

Interior

Bedrooms5 Beds
Full Baths3.5 Baths
Partial Baths1 Partial Baths
Building Area2,884 sqft Living Area
Gross Area3,465 sqft Gross Area
1st Floor1,324 sqft 1st Floor
Upper Floors1,560 sqft Upper Floors
Stories2 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Effective Year BuiltEffective 2018
Architectural StyleConventional Style
Exterior MaterialConcrete Block Exterior
Construction TypeFrame Construction
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area5,662 sqft (0.13 acres)
Parking Spaces2 Parking Spaces
Garage TypeAttached Garage
Garage Area483 sqft Garage
Porch Area98 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemCentral Heating

Location & Zoning

Street Address5128 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 140
Legal Range31E
Legal Township26S
Legal Section05
Legal SubdivisionCANOPY WALK PH 1
Legal Block1400
Legal Lot Number140
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3050
Census Tract43700

Owner

Source: Osceola County records · APN 05-26-31-0101-0001-1400

Assessment roll updated November 26, 2025 · Last verified August 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 Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jul 08, 2022Intrafamily Transfer, Transfer
Jan 14, 2022Warranty Deed, Transfer · Conventional Mortgage
HOMETOWN EQUITY MORTGAGE
May 26, 2021Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
PENNYMAC LOAN SERVICES LLC
Feb 28, 2019Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
AMERIHOME MTG
Feb 19, 2019Special 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 SaleJul 08, 2022 · Amount on Record
Deed SaleJul 08, 2022 · Amount on Record
Prior SaleJan 14, 2022 · Amount on Record
Deed Doc Number2022105944
Deed Book / Page6248 / 208
Prior Transfer DateJun 16, 2022
Prior Transfer Doc0062480208
Record RefreshedSep 20, 2026

July 2022: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionOSCEOLA FL
Recording DateJul 08, 2022
Property Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number0062480208
Book / Page6248 / 208
Map ReferenceMB 25 PG 157&158
Instrument DateJun 14, 2022
Instrument2022105944
Transaction TypeTransfer
Record UpdatedJul 21, 2022

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name
Address5128 STAR RUBY AVE, 5128, SAINT CLOUD, FL 34771-8562

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

January 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 14, 2022
Property Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number0061300004
Book / Page6130 / 4
Map ReferenceMB 25 PG 157&158
Instrument DateJan 11, 2022
Instrument2022008219
Transaction TypeTransfer
Record UpdatedJan 31, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,940.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5128 STAR RUBY AVE, 5128, SAINT CLOUD, FL 34771-8562

Transferred To (Grantee/Buyer)

NameVerified Name
Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number0000061306
DateJan 14, 2022
Instrument6130/6
Lender
NameHOMETOWN EQUITY MORTGAGE
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

May 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Transaction TypeMortgage
Record UpdatedJun 15, 2021
Title CompanySERVICELINK

Transferred To (Grantee/Buyer)

NameVerified Name
Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number0059670887
DateMay 26, 2021
Book Page5967/887
Instrument2021082052
Lender
NamePENNYMAC LOAN SERVICES LLC
TypeMortgage Company
AddressMOORPARK, CA 93021
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term334 Months
DueMar 01, 2049

February 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5128 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

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateFeb 19, 2019
Property Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562
Document Number0054790533
Book / Page5479 / 0533
Map ReferenceMB 25 PG 157&158
Instrument DateFeb 15, 2019
Instrument2019021121
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$2,030.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address6200 LEE VISTA BLVD STE 100, 6200, ORLANDO, FL 32822-5149

Transferred To (Grantee/Buyer)

NameVerified Name
Address5128 STAR RUBY AVE, SAINT CLOUD, FL 34771-8562

Mortgage

Document Number2019021122
DateFeb 19, 2019
Instrument2019021122
Lender
NameDHI MORTGAGE COMPANY LTD
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMar 01, 2049

March 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateMar 22, 2018
Property Address5128 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 August 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$7,202.00 (+1.82%)$402,200 (+3.5%) Land $70,000 Building $332,200$402,200 (+3.5%) Land $70,000 Building $332,200
2024$7,073.00 (+1.01%)
2023$7,002.00 (+25.06%)$388,600 (+15.83%) Land $65,000 Building $323,600$388,600 (+15.83%) Land $65,000 Building $323,600
2022$5,599.00$335,500 Land $60,000 Building $275,500$335,500 Land $60,000 Building $275,500

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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