5380 Ragusa Loop, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5380 Ragusa Loop, Saint Cloud, FL 34771 · Last verified December 2025

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3 Baths
Year Built	Built 2018
Square Footage	2,595 sqft Heated Area
Lot Size	7,405 sqft (0.169 acres)
Occupancy	Owner Occupied
Last Sale	$307,701 (2018)
Tax Bill	$4,488.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`162531501400010570`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Building Area	2,595 sqft Heated Area
Gross Area	3,606 sqft Gross Area
1st Floor	2,595 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

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	7,405 sqft (0.169 acres)
Parking Spaces	2 Parking Spaces
Garage Type	Finished Garage
Garage Area	651 sqft Garage

Exterior Amenities

Fence	Fence
Patio Area	459 sqft Patio
Porch	Open Porch
Porch Area	30 sqft Porch

Utilities and HVAC

Cooling System	A/C Package Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	5380 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 57
Legal Range	31E
Legal Township	25S
Legal Section	16
Legal Subdivision	SUNSET GROVE
Legal Phase	1
Legal Tract	5014
Legal Lot Number	57
Jurisdiction	OSCEOLA FL
Minor Civil Division	ST. CLOUD
Census Blockgroup	1
Census Block	1018
Census Tract	43700

Owner

Source: Osceola County records · APN 162531501400010570

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	5380 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2020	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage CENLAR FSB
Feb 24, 2020	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage LOANDEPOT.COM LLC
Sep 06, 2018	Special Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 06, 2018 · Amount on Record
Deed Sale	Sep 06, 2018 · Amount on Record
Deed Doc Number	2018134585
Deed Book / Page	5396 / 2468
Record Refreshed	Jun 08, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5380 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5380 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044

Mortgage

Document Number	0058140075
Date	Oct 16, 2020
Book Page	5814/75
Instrument	2020139960

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Mar 01, 2050

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5380 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number	0056970695
Instrument Date	Feb 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 09, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband And Wife
Address	5380 RAGUSA LOOP ST CLOUD FL 347718044, ST CLOUD, FL 34771-8044

Mortgage

Document Number	0056970695
Date	Mar 25, 2020
Book Page	005697/000695
Instrument	41789

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 24, 2050

September 2018: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 06, 2018
Property Address	5380 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044
Document Number	0053962468
Book / Page	5396 / 2468
Map Reference	MB25 PG46-50
Instrument Date	Jun 25, 2018
Instrument	2018134585
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	APEX TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,154.60
Amount Accuracy	Full Amount Stated
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	444 W NEW ENGLAND AVE STE 220, 444, WINTER PARK, FL 32789-4376

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5380 RAGUSA LOOP, SAINT CLOUD, FL 34771-8044

Mortgage

Document Number	0053962470
Date	Sep 06, 2018
Book Page	5396/2470
Instrument	2018134586

Lender

Name	PARAMOUNT RESIDENTIAL MORTGAGE GROUP INC
Type	Mortgage Company
Address	CORONA, CA 92879

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 01, 2048

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,488.00 (+7.11%) Homeowner's exemption	$313,399 (+5.99%)	$431,500 (-2.71%) Land $80,000 Building $351,500
2023	$4,190.00 (+4.05%) Homeowner's exemption	$295,697 (+3%)	$443,500 (+18.17%) Land $80,000 Building $363,500
2022	$4,027.00 Homeowner's exemption	$287,085	$375,300 Land $55,000 Building $320,300

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 Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.

5380 Ragusa Loop, Saint Cloud, FL 34771 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

February 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

September 2018: Special Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Ragusa Loop

Nearby Streets

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