5028 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5028 Caspian St, Saint Cloud, FL 34771 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,617 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Feb 2022)
Tax Bill	$4,741 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3737-0001-2200`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3737-0001-2200`
Alternative APN	`253108373700012200`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,617 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	841 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
Exterior Material	Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Detached
Garage Area	420 sqft
Porch	Finished/Open Porch
Patio Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5028 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 2 PB 26 PGS 77-78 LOT 220
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 2
Legal Phase	2
Legal Lot Number	220
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 08-25-31-3737-0001-2200

Assessment roll updated November 26, 2025 · Last verified July 2026

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	654 MONROE AVE, 1, ELIZABETH, NJ 07201-1639
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2022	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Apr 20, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 23, 2022 · Amount on Record
Deed Sale	Feb 23, 2022 · Amount on Record
Prior Sale	Apr 20, 2020 · Amount on Record
Deed Document Number	202229077
Deed Book / Page	6156 / 288
Record Updated	Sep 20, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 23, 2022
Property Address	5028 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0061560288
Book / Page	6156 / 288
Map Reference	MB 26 PG 77&78
Instrument Date	Feb 18, 2022
Instrument	2022029077
Transaction Type	Transfer
Record Updated	Mar 09, 2022
Title Company	FLORIDA TITLE PROS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11543 CHARNOCK DR, 11543, WINDERMERE, FL 34786-6773

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 MONROE AVE # 1, 1, ELIZABETH, NJ 07201-1639

Mortgage

Document Number	0006156290
Date	Feb 23, 2022
Instrument	6156/290

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 01, 2052

April 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Apr 20, 2020
Property Address	5028 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0057101485
Book / Page	5710 / 1485
Map Reference	MB 26 PG 77&78
Instrument Date	Apr 16, 2020
Instrument	2020053841
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,834.70
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	5028 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0057101487
Date	Apr 20, 2020
Instrument	5710/1487

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2050

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified July 2026

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	$4,741.00 (+0.47%)	$290,800 (-4.91%) Land $45,000 Building $245,800	$290,800 (-4.91%) Land $45,000 Building $245,800
2024	$4,719.00 (-3.54%)
2023	$4,892.00 (+22.42%)	$305,800 (+19.73%) Land $14,900 Building $290,900	$305,800 (+19.73%) Land $14,900 Building $290,900
2022	$3,996.00	$255,400 Land $14,900 Building $240,500	$255,400 Land $14,900 Building $240,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, refreshed September 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
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 278 individual NFIP policies nearby
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, river or lake flooding, Hurricane Ian
Claims By Storm	Hurricane Ian, Sep 2022 · 4 claims Hurricane Ian, Sep 2022 · 3 claims Hurricane Irma, Sep 2017 · 6 claims

Wildfire

Wildfire Risk	Moderate above 40% of the US · above 12% of Florida
Wildfire Likelihood	About 1 in 1,887 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 143 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Lumen Technologies, Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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