Osceola County property record for 5368 Ragusa Loop, Saint Cloud, FL 34771 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2018 |
| Square Footage | 2,064 sqft Living Area |
| Lot Size | 6,098 sqft (0.14 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $294,300 (2018) |
| Tax Bill | $3,958.00 (2025) |
| Primary APN | 16-25-31-5014-0001-0630 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 2,064 sqft Living Area |
| Gross Area | 2,997 sqft Gross Area |
| 1st Floor | 2,064 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Architectural Style | Conventional Style |
| Exterior Material | Concrete Block Exterior |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 2 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 458 sqft Garage |
| Porch Area | 475 sqft Porch |
| Cooling System | A/C Package Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5368 RAGUSA LOOP |
|---|---|
| City | SAINT CLOUD |
| State | FL |
| Zip | 34771-8044 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SUNSET GROVE PH 1 PB 25 PGS 46-50 LOT 63 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE PH 1 |
| Legal Phase | 1 |
| Legal Block | 630 |
| Legal Lot Number | 63 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 16-25-31-5014-0001-0630
Assessment roll updated November 26, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Jun 23, 2026 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage SERVICELINK |
| Nov 07, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Apr 12, 2023 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage FREEDOM MORTGAGE CORP |
| Oct 10, 2018 | Grant Deed, Transfer · Federal Housing Administration (FHA) Mortgage NMB HM LNS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 10, 2018 · Amount on Record |
| Deed Sale | Oct 10, 2018 · Amount on Record |
| Prior Sale | Feb 01, 2017 · Amount on Record |
| Deed Doc Number | 2018152643 |
| Deed Book / Page | 5415 / 2426 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 23, 2026 |
| Property Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Document Number | 0000082570 |
| Book / Page | 6992 / 1765 |
| Instrument Date | Apr 16, 2026 |
| Instrument | 202682570 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Document Number | 0000082570, |
|---|---|
| Date | Jun 23, 2026 |
| Book Page | 6992/1765 |
| Instrument | 202682570 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 304 Months |
| Due | Oct 01, 2051 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Document Number | 0065012322 |
|---|---|
| Date | Nov 07, 2023 |
| Book Page | 6501/2322 |
| Instrument | 2023147037 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 335 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Document Number | 0063861200 |
|---|---|
| Date | Apr 12, 2023 |
| Book Page | 6386/1200 |
| Instrument | 2023041787 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | CORAOPOLIS, PA 15108 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 342 Months |
| Due | Oct 01, 2051 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Oct 10, 2018 |
| Property Address | 5368 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Document Number | 0054152426 |
| Book / Page | 005415 / 002426 |
| Instrument Date | Oct 09, 2018 |
| Instrument | 152643 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2018 |
| Title Company | NORTH AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,060.10 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenant/Joint Tenant w/ Right Of Survivorship |
| Address | 5363 RAGUSA LOOP ST CLOUD FL 347718045, ST CLOUD, FL 34771-8045 |
| Document Number | 54152428 |
|---|---|
| Date | Oct 10, 2018 |
| Book Page | 005415/002428 |
| Instrument | 152644 |
| Name | NMB HM LNS INC |
|---|---|
| Address | LEBANON, NJ 08833 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 09, 2048 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026
| 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 | $3,958.00 (+7.38%) Homeowner's exemption | $275,118 (+5.99%) | $376,900 (-2.63%) Land $80,000 Building $296,900 |
| 2023 | $3,686.00 (+4.21%) Homeowner's exemption | $259,578 (+3%) | $387,100 (+19.11%) Land $80,000 Building $307,100 |
| 2022 | $3,537.00 Homeowner's exemption | $252,018 | $325,000 Land $55,000 Building $270,000 |
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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