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5361 Ragusa Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5361 Ragusa Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms4 Baths
Year BuiltBuilt 2018
Square Footage3,004 sqft Heated Area
Lot Size7,841 sqft (0.18 acres)
OccupancyOwner Occupied
Last Sale$530,000 (2025)
Tax Bill$4,811.00 (2025)

Property Details

APN / Parcel Number

Primary APN162531501400010840

Interior

Bedrooms4 Beds
Full Baths4 Baths
Building Area3,004 sqft Heated Area
Gross Area3,980 sqft Gross Area
1st Floor1,218 sqft 1st Floor
Upper Floors1,786 sqft Upper Floors
Stories2 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area7,841 sqft (0.18 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area616 sqft Garage
FenceFence
PorchFinished/Screened Porch
Porch Area360 sqft Porch

Utilities and HVAC

Cooling SystemHVAC Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5361 RAGUSA LOOP
CitySAINT CLOUD
StateFL
Zip34771-8045
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSUNSET GROVE PH 1 PB 25 PGS 46-50 LOT 84
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVE
Legal Phase1
Legal Tract5014
Legal Lot Number84
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1022
Census Tract43700

Owner

Source: Osceola County records · APN 162531501400010840

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
Mailing Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
May 06, 2025Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
UNITED WHOLESALE MORTGAGE
Oct 07, 2020Deed of Trust, Mortgage · Veterans Administration Mortgage
QUICKEN LOANS LLC
Nov 29, 2019Deed of Trust, Mortgage · Veterans Administration Mortgage
QUICKEN LNS
Nov 20, 2018Special Warranty Deed, Transfer · Veterans Administration Mortgage
EAGLE HOME MORTGAGE LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleMay 06, 2025 · Amount on Record
Deed SaleMay 06, 2025 · Amount on Record
Prior SaleNov 20, 2018 · Amount on Record
Deed Doc Number2025057483
Deed Book / Page6783 / 1777
Record RefreshedJun 08, 2026

May 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateMay 06, 2025
Property Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045
Document Number0067831777
Book / Page6783 / 1777
Map ReferenceMB 25 PG 46
Instrument DateMay 05, 2025
Instrument2025057483
Transaction TypeTransfer
Record UpdatedDec 12, 2025
Title CompanyFIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$3,710.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address9685 LAKE NONA VILLAGE PLACE STE 203, 203, ORLANDO, FL 32827-7322

Transferred To (Grantee/Buyer)

NameVerified Name
Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045

Mortgage

Document Number0067831780
DateMay 06, 2025
Instrument6783/1780
Lender
NameUNITED WHOLESALE MORTGAGE
TypeMortgage Company
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueJun 01, 2055

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045
Transaction TypeMortgage
Record UpdatedFeb 05, 2021
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0058071877
DateOct 07, 2020
Book Page5807/1877
Instrument2020134190
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
AddressDETROIT, MI 48226
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueOct 01, 2050

November 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045
Document Number0056342265
Instrument DateNov 29, 2019
Transaction TypeMortgage
Record UpdatedJan 13, 2020
Title CompanyOTHER

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address5361 RAGUSA LOOP ST CLOUD FL 347718045, ST CLOUD, FL 34771-8045

Mortgage

Document Number0056342265
DateDec 05, 2019
Book Page005634/002265
Instrument157383
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term360 Months
DueDec 04, 2049

November 2018: Special Warranty Deed, Transfer

Document TypeSpecial Warranty Deed
JurisdictionOSCEOLA FL
Recording DateNov 20, 2018
Property Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045
Document Number0054352392
Book / Page5435 / 2392
Map ReferenceMB25 PG46
Instrument DateNov 19, 2018
Instrument2018170645
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyNORTH AMERICAN TITLE CO

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,384.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address2300 MAITLAND CENTER PKWY STE 320, 2300, MAITLAND, FL 32751-7412

Transferred To (Grantee/Buyer)

NameVerified Name
Address5361 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045

Mortgage

Document Number2018170646
DateNov 20, 2018
Instrument2018170646
Lender
NameEAGLE HOME MORTGAGE LLC
TypeMortgage Company
Agreement
TypeVeterans Administration Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 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$4,811.00 (+6.98%) Homeowner's exemption$336,688 (+5.99%)$463,100 (-2.75%) Land $80,000 Building $383,100
2023$4,497.00 (+3.98%) Homeowner's exemption$317,670 (+3%)$476,200 (+17.9%) Land $80,000 Building $396,200
2022$4,325.00 Homeowner's exemption$308,418$403,900 Land $55,000 Building $348,900

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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