Osceola County property record for 5372 Ragusa Loop, Saint Cloud, FL 34771 · Last verified December 2025
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 4 Beds |
| Bathrooms | 3 Baths |
| Year Built | Built 2019 |
| Square Footage | 3,665 sqft Heated Area |
| Lot Size | 9,148 sqft (0.21 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $370,000 (2019) |
| Tax Bill | $4,995.00 (2025) |
| Primary APN | 162531501400010610 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 3,665 sqft Heated Area |
| Gross Area | 4,739 sqft Gross Area |
| 1st Floor | 1,480 sqft 1st Floor |
| Upper Floors | 2,185 sqft Upper Floors |
| Stories | 2 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Year Built | Built 2019 |
|---|---|
| Exterior Material | Concrete Block Exterior |
| Foundation Type | Footing Foundation |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Composition Shingle Roof |
| Lot Area | 9,148 sqft (0.21 acres) |
| Garage Type | Finished Garage |
| Garage Area | 660 sqft Garage |
| Shed | 1 Shed |
|---|---|
| Shed Area | 49 sqft Shed |
| Porch | Open Porch |
| Porch Area | 414 sqft Porch |
| Cooling System | HVAC Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 5372 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 61 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 16 |
| Legal Subdivision | SUNSET GROVE |
| Legal Phase | 1 |
| Legal Tract | 5014 |
| Legal Lot Number | 61 |
| Jurisdiction | OSCEOLA FL |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 1 |
| Census Block | 1018 |
| Census Tract | 43700 |
Source: Osceola County records · APN 162531501400010610
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5372 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Sep 14, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jul 14, 2020 | Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CARDINAL FINANCIAL COMPANY LP |
| Sep 10, 2019 | Grant Deed, Transfer · Conventional Mortgage CITADEL SVCNG CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 10, 2019 · Amount on Record |
| Deed Sale | Sep 10, 2019 · Amount on Record |
| Deed Doc Number | 2019116104 |
| Deed Book / Page | 5586 / 0851 |
| Record Refreshed | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5372 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Transaction Type | Mortgage |
| Record Updated | Dec 12, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5372 RAGUSA LOOP, MAGNOLIA SQ, FL 34771-8044 |
| Document Number | 0060430641 |
|---|---|
| Date | Sep 14, 2021 |
| Book Page | 6043/641 |
| Instrument | 2021142727 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5372 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Transaction Type | Mortgage |
| Record Updated | May 02, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0057540157 |
|---|---|
| Date | Jul 14, 2020 |
| Book Page | 5754/157 |
| Instrument | 2020091025 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | FLINT, MI 48501 |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Sep 10, 2019 |
| Property Address | 5372 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044 |
| Document Number | 0055860851 |
| Book / Page | 005586 / 000851 |
| Instrument Date | Aug 01, 2019 |
| Instrument | 116104 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2019 |
| Title Company | CALATLANTIC TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,590.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 5372 RAGUSA LOOP ST CLOUD FL 347718044, ST CLOUD, FL 34771-8044 |
| Document Number | 55860855 |
|---|---|
| Date | Sep 10, 2019 |
| Book Page | 005586/000855 |
| Instrument | 116105 |
| Name | CITADEL SVCNG CORP |
|---|---|
| Address | IRVINE, CA 92618 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 09, 2049 |
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 | $4,995.00 (+6.96%) Homeowner's exemption | $349,998 (+6.05%) | $489,900 (-2.82%) Land $80,000 Building $409,900 |
| 2023 | $4,670.00 (+3.94%) Homeowner's exemption | $330,039 (+3%) | $504,100 (+17.92%) Land $80,000 Building $424,100 |
| 2022 | $4,493.00 Homeowner's exemption | $320,427 | $427,500 Land $55,000 Building $372,500 |
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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