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5370 Ragusa Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5370 Ragusa Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms4 Beds
Bathrooms2 Baths
Year BuiltBuilt 2018
Square Footage1,859 sqft Heated Area
Lot Size6,970 sqft (0.16 acres)
OccupancyOwner Occupied
Last Sale$265,700 (2018)
Tax Bill$3,752.00 (2025)

Property Details

APN / Parcel Number

Primary APN162531501400010620

Interior

Bedrooms4 Beds
Full Baths2 Baths
Building Area1,859 sqft Heated Area
Gross Area2,367 sqft Gross Area
1st Floor1,859 sqft 1st Floor
Stories1 Stories
Primary FlooringTile Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 2018
Exterior MaterialConcrete Block Exterior
Foundation TypeFooting Foundation
Roof ConstructionGable/Hip Roof Construction
Roof MaterialComposition Shingle Roof
Lot Area6,970 sqft (0.16 acres)
Parking Spaces2 Parking Spaces
Garage TypeFinished Garage
Garage Area438 sqft Garage
FenceFence
PorchOpen Porch
Porch Area70 sqft Porch

Utilities and HVAC

Cooling SystemA/C Package Cooling
Heating SystemHVAC Heating

Location & Zoning

Street Address5370 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 62
Legal Range31E
Legal Township25S
Legal Section16
Legal SubdivisionSUNSET GROVE
Legal Phase1
Legal Tract5014
Legal Lot Number62
JurisdictionOSCEOLA FL
Minor Civil DivisionST. CLOUD
Census Blockgroup1
Census Block1018
Census Tract43700

Owner

Source: Osceola County records · APN 162531501400010620

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 Address5370 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 05, 2022Deed of Trust, Mortgage · Line of Credit
FAIRWINDS CU
Apr 30, 2018Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage
CENTURY LENDING CO

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleApr 30, 2018 · Amount on Record
Deed SaleApr 30, 2018 · Amount on Record
Deed Doc Number2018068588
Deed Book / Page5325 / 1182
Record RefreshedJun 08, 2026

April 2022: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOSCEOLA FL
Property Address5370 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Transaction TypeMortgage
Record UpdatedDec 12, 2025
Title CompanyMORTGAGE TITLE SERVICES INC, MORTGAGEE TITLE SERVICES INC

Transferred To (Grantee/Buyer)

NameVerified Name
Address3087 N ALAFAYA TRL, ALAFAYA, FL 32826-3205

Mortgage

Document Number0061880192
DateApr 05, 2022
Book Page6188/192
Instrument2022054380
Lender
NameFAIRWINDS CU
TypeCredit Union
AddressORLANDO, FL 32826
Agreement
TypeLine of Credit
AmountAmount Recorded
Term180 Months
DueApr 01, 2037
Interest
Rate TypeAdjustable Rate
Change FrequencyMonthly (Revolving credit lines are monthly unless stated otherwise).

April 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOSCEOLA FL
Recording DateApr 30, 2018
Property Address5370 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number0053251182
Book / Page5325 / 1182
Map ReferenceMB25 PG46
Instrument DateApr 26, 2018
Instrument2018068588
Transaction TypeTransfer
Record UpdatedFeb 08, 2022
Title CompanyNORTH AMERICAN TITLE CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,859.90
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name
Address444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

NameVerified Name
Address5370 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044

Mortgage

Document Number2018068589
DateApr 30, 2018
Instrument2018068589
Lender
NameCENTURY LENDING CO
TypeLending Institution
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term361 Months
DueMay 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$3,752.00 (+7.54%) Homeowner's exemption$260,235 (+5.99%)$353,800 (-2.64%) Land $80,000 Building $273,800
2023$3,489.00 (+5.79%) Homeowner's exemption$245,535 (+4.53%)$363,400 (+20.69%) Land $80,000 Building $283,400
2022$3,298.00 Homeowner's exemption$234,889$301,100 Land $55,000 Building $246,100

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 68% of the US · above 47% of Florida
Wildfire LikelihoodAbout 1 in 332 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

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