Welcome to the forum!
My main suggestion would be add more lifting to your workout. I don't know if you go to a gym or exercise at your home, but lifting at least 3 times a week is minimum to help lose body fat %. When you do your cardio, where is your heart rate at? Do you try to keep it constant? The best area for your heart rate to be for fat loss is around 130 bpm. If your heart rate is higher than that, (around 170), your oxygen supply is not getting to your working muscles enough-so you burn muscle, not fat instead. This is why it is important to lift and gain muscle, while doing cardio at a lower intensity for a longer period of time for optimal fat loss.
The only other info you did not give was how many calories a day you eat. If you are eating too few...your body is in starvation mode and it burns muscle when you do cardio and stores fat when you do eat it. You need to figure out your BMR and apply your activity factor to it to find out how many calories your body needs in a day to effectively lose fat. (This can be found under the Fat Loss Forums "My Guide to Nutrition for Weight Loss") For example, I am 136 lbs at 5'5", and I eat about 1650 calories a day to lose 1 lb a week. I used to only eat 1200 calories a day before I realized eating more is what your physically active body wants from you. As silly as it sounds, the more healthy food you eat, the more you lose due to the process of speeding up your metabolism. By eating a hearty breakfast and a total of about 5-6 meals a day, this alone will help speed up your metabolism along with your almost daily cardio.
I have learned so much reading through all the threads on the forum, and I know that through your experimenting with losing weight and information you gather over time, your goals will be met and the fat will eventually be gone. Best of luck!!