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5350 Ragusa Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5350 Ragusa Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms3 Baths
Year BuiltBuilt 2017
Square Footage2,565 sqft Heated Area
Lot Size7,405 sqft (0.169 acres)
OccupancyOwner Occupied
Last Sale$470,000 (2022)
Tax Bill$4,094.00 (2025)

Property Details

APN / Parcel Number

Primary APN162531501400010720

Interior

Bedrooms4 Beds
Full Baths3 Baths
Building Area2,565 sqft Heated Area
Gross Area3,606 sqft Gross Area
1st Floor2,565 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2017
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,405 sqft (0.169 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area681 sqft Garage
PorchOpen Porch
Porch Area360 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5350 RAGUSA LOOP
CitySAINT CLOUD
StateFL
Zip34771-8044
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSUNSET GROVE PH 1 PB 25 PGS 46-50 LOT 72
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVE
Legal Phase1
Legal Tract5014
Legal Lot Number72
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records · APN 162531501400010720

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 Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Jan 28, 2022Special Warranty Deed, Transfer · Conventional Mortgage
HIGHLANDS RESIDENTIAL MORTGAGE LTD
Oct 28, 2021Affidavit of Death of Joint Tenant, Transfer
ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO
Oct 28, 2021Warranty Deed, Transfer
ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO
Oct 17, 2019Deed of Trust, Mortgage · Conventional Mortgage
ARDELA SPRINGSTEAD
Jan 10, 2018Grant Deed, Transfer · Conventional Mortgage with Private Mortgage Insurance (PMI)
CENTURY LNDG

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 28, 2022 · Amount on Record
Deed SaleJan 28, 2022 · Amount on Record
Prior SaleOct 28, 2021 · Amount on Record
Deed Doc Number2022015656
Deed Book / Page6139 / 692
Record RefreshedJun 08, 2026

January 2022: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateJan 28, 2022
Property Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number0061390692
Book / Page6139 / 692
Map ReferenceMB 25 PG 46-50
Instrument DateJan 18, 2022
Instrument2022015656
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,290.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347

Transferred To (Grantee/Buyer)

NameVerified Name
Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044

Mortgage

Document Number0006139695
DateJan 28, 2022
Instrument6139/695
Lender
NameHIGHLANDS RESIDENTIAL MORTGAGE LTD
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueFeb 01, 2052

October 2021: Affidavit of Death of Joint Tenant, Transfer

Document TypeAffidavit of Death of Joint Tenant
JurisdictionOSCEOLA FL
Recording DateOct 28, 2021
Property Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number0060751979
Book / Page6075 / 1979
Map ReferenceMB 25 PG 46-50
Instrument DateOct 25, 2021
Instrument2021168453
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateOct 28, 2021
Property Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number0060751982
Book / Page6075 / 1982
Map ReferenceMB 25 PG 46-50
Instrument DateOct 25, 2021
Instrument2021168454
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO

Transaction

AmountAmount Recorded
Tax$3,236.80
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044

Transferred To (Grantee/Buyer)

NameVerified Name
Address4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347
InvestorPossibly a Property Investor

October 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number0056130393
Instrument DateOct 17, 2019
Transaction TypeMortgage
Record UpdatedNov 08, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address5350 RAGUSA LOOP ST CLOUD FL 347718044, ST CLOUD, FL 34771-8044

Mortgage

Document Number0056130393
DateOct 28, 2019
Book Page005613/000393
Instrument139338
Lender
NameARDELA SPRINGSTEAD
Address2157 PEBBLE BEACH BLVD, ORLANDO, FL 32826-5252
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term60 Months
DueOct 27, 2024

January 2018: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionOSCEOLA FL
Recording DateJan 10, 2018
Property Address5350 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number0052672130
Book / Page005267 / 002130
Instrument DateJan 08, 2018
Instrument5737
Transaction TypeTransfer
Record UpdatedFeb 12, 2018
Title CompanyCALATLANTIC TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$2,168.96
Amount AccuracyConfirmed
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenant/Joint Tenant w/ Right Of Survivorship
Address5350 RAGUSA LOOP ST CLOUD FL 34771, ST CLOUD, FL 34771

Mortgage

Document Number52672132
DateJan 10, 2018
Book Page005267/002132
Instrument5738
Lender
NameCENTURY LNDG
AddressLOUISVILLE, KY 40223
Agreement
TypeConventional Mortgage with Private Mortgage Insurance (PMI)
AmountAmount Recorded
Term360 Months
DueJan 09, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

TypeName
StateFlorida
CountyOsceola County
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$4,094.00 (+7.31%) Homeowner's exemption$284,923 (+5.99%)$421,800 (-2.72%) Land $80,000 Building $341,800
2023$3,815.00 (-32.93%) Homeowner's exemption$268,830 (-26.51%)$433,600 (+18.53%) Land $80,000 Building $353,600
2022$5,688.00$365,800 Land $55,000 Building $310,800$365,800 Land $55,000 Building $310,800

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 RiskHigh
above 72% of the US · above 56% of Florida
Wildfire LikelihoodAbout 1 in 303 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

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