Osceola County property record for 5365 Ragusa Loop, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 1,859 sqft Heated Area |
| Lot Size | 6,534 sqft (0.15 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $342,500 (2021) |
| Tax Bill | $5,682.00 (2025) |
| Primary APN | 162531501400010820 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,859 sqft Heated Area |
| Gross Area | 2,767 sqft Gross Area |
| 1st Floor | 1,859 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| 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 | 6,534 sqft (0.15 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Finished Garage |
| Garage Area | 438 sqft Garage |
| Fence | Fence |
| Porch | Open Porch |
| Porch Area | 470 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5365 RAGUSA LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8045 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUNSET GROVE PH 1 PB 25 PGS 46-50 LOT 82 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE |
| Legal Phase | 1 |
| Legal Tract | 5014 |
| Legal Lot Number | 82 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1022 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531501400010820
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 | 5365 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Feb 18, 2021 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage BANK OF AMERICA NA |
| Jun 29, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage UNION HOME MORTGAGE CORP |
| Nov 20, 2018 | Special Warranty Deed, Transfer · Veterans Administration Mortgage EAGLE HOME MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Feb 18, 2021 · Amount on Record |
| Deed Sale | Feb 18, 2021 · Amount on Record |
| Prior Sale | Nov 20, 2018 · Amount on Record |
| Deed Doc Number | 2021023860 |
| Deed Book / Page | 5894 / 107 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Feb 18, 2021 |
| Property Address | 5365 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045 |
| Document Number | 0058940107 |
| Book / Page | 5894 / 107 |
| Map Reference | MB 25 PG 46-50 |
| Instrument Date | Feb 17, 2021 |
| Instrument | 2021023860 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | STEWART TITLE COMPANY-F, STEWART TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,397.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 523 NEPTUNE BAY CIR UNIT 3, 3, SAINT CLOUD, FL 34769-7036 |
| Name | Verified Name |
|---|---|
| Address | 5363 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045 |
| Document Number | 0005894108 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 5894/108 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5365 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0057460007 |
|---|---|
| Date | Jun 29, 2020 |
| Book Page | 5746/7 |
| Instrument | 2020083882 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | STRONGSVILLE, OH 44136 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 20, 2018 |
| Property Address | 5365 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045 |
| Document Number | 0054352233 |
| Book / Page | 5435 / 2233 |
| Map Reference | MB25 PG46 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 2018170599 |
| Transaction Type | Transfer |
| Record Updated | Feb 08, 2022 |
| Title Company | NORTH AMERICAN TITLE CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,974.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 2300 MALLAND LOOP #320320, 2300, MAITLAND, FL 32751 |
| Name | Verified Name |
|---|---|
| Address | 5365 RAGUSA LOOP, SAINT CLOUD, FL 34771-8045 |
| Investor | Possibly a Property Investor |
| Document Number | 2018170600 |
|---|---|
| Date | Nov 20, 2018 |
| Instrument | 2018170600 |
| Name | EAGLE HOME MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2048 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| 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 | $5,682.00 (+2.8%) | $358,700 (-2.63%) Land $80,000 Building $278,700 | $358,700 (-2.63%) Land $80,000 Building $278,700 |
| 2023 | $5,527.00 (+12.82%) | $368,400 (+19.11%) Land $80,000 Building $288,400 | $368,400 (+19.11%) Land $80,000 Building $288,400 |
| 2022 | $4,899.00 | $309,300 Land $55,000 Building $254,300 | $309,300 Land $55,000 Building $254,300 |
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 68% of the US · above 47% of Florida |
|---|---|
| Wildfire Likelihood | About 1 in 332 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
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