5004 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5004 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,464 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$370,000 (Aug 2022)
Tax Bill	$3,959 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082531373700012310`

Property Details

APN / Parcel Number

Primary APN	`082531373700012310`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,464 sqft Heated Area
Gross Area	2,150 sqft
1st Floor Area	760 sqft
Upper Floors Area	704 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Exterior Material	Aluminum Siding
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Detached - Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	266 sqft
Patio Area	300 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5004 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7688
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LAKESHORE AT NARCOOSSEE PH 2 PB 26 PGS 77-78 LOT 231
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	2
Legal Tract	3737
Legal Lot Number	231
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	5004 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2022	Warranty Deed, Transfer · FHA Mortgage MY MORTGAGE INC
Sep 23, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 29, 2022 · Amount on Record
Deed Sale	Aug 29, 2022 · Amount on Record
Prior Sale	Sep 23, 2019 · Amount on Record
Deed Document Number	2022131376
Deed Book / Page	6276 / 747
Record Updated	Jun 8, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2022
Property Address	5004 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0062760747
Book / Page	6276 / 747
Map Reference	MB 26 PG 77&78
Instrument Date	Aug 11, 2022
Instrument	2022131376
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	INNOVATIVE TITLE SERVICES I LLC, INNOVATIVE TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,590.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 677751, ORLANDO, FL 32867-7751

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0006276749
Date	Aug 29, 2022
Instrument	6276/749

Lender

Name	MY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

September 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 23, 2019
Property Address	5004 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0055940066
Book / Page	5594 / 0066
Map Reference	MB 26 PG 77&78
Instrument Date	Sep 20, 2019
Instrument	2019122929
Transaction Type	Subdivision Related Transfer
Record Updated	May 2, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,670.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5004 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0000559468
Date	Sep 23, 2019
Instrument	5594/68

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,959.00 (-2.73%) Homeowner's exemption	$275,200 (-4.14%) Land $45,000 Building $230,200	$275,200 (-4.14%) Land $45,000 Building $230,200
2023	$4,070.00 (+38.29%) Homeowner's exemption	$287,100 (+37.04%) Land $14,900 Building $272,200	$287,100 (+19.63%) Land $14,900 Building $272,200
2022	$2,943.00 Homeowner's exemption	$209,502	$240,000 Land $14,900 Building $225,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 24, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 278 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	278 in force
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022 · Hurricane Ian
Claims by Event	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 82% of Florida
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	ST. CLOUD, CITY OF (3 WPS) serves 82,752 people · EPA ID FL3491373
Water Source	Groundwater
Last State Inspection	Jul 2025
Lead	2 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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