5032 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5032 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,464 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Company Names on Record
Last Sale	$365,000 (Jun 2022)
Tax Bill	$3,992 (2025)
Deeds & Mortgages	Dec 2025 Transfer Jun 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3737-0001-2180`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3737-0001-2180`
Alternative APN	`253108373700012180`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,464 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	760 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	300 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5032 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 218
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 2
Legal Phase	2
Legal Lot Number	218
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 January 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on Record
Mailing Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 30, 2025	Intrafamily Transfer, Transfer ACCOMODATION, ACCOMMODATION
Jun 29, 2022	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 17, 2021	Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB
Sep 8, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	Sep 8, 2020 · Amount on Record
Deed Document Number	2022101515
Deed Book / Page	6242 / 1619
Last Transfer Date	Dec 29, 2025
Transfer Doc	0069001610
Record Updated	Jun 8, 2026

December 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 30, 2025
Property Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0069001610
Book / Page	6900 / 1610
Map Reference	MB 26 PG 77&78
Instrument Date	Dec 29, 2025
Instrument	2025158442
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2022
Property Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0062421619
Book / Page	6242 / 1619
Map Reference	MB 26 PG 77&78
Instrument Date	Jun 27, 2022
Instrument	2022101515
Transaction Type	Transfer
Record Updated	Jul 12, 2022
Title Company	PUBLIC TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,555.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	7791 DUCKHORN CT, 7791, ORLANDO, FL 32818-1260

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0062421621
Date	Jun 29, 2022
Instrument	6242/1621

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Transaction Type	Mortgage
Record Updated	Feb 8, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0060881495
Date	Nov 17, 2021
Book Page	6088/1495
Instrument	2021178439

Lender

Name	CENLAR FSB
Type	Bank
Address	TRENTON, NJ 08618

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Sep 1, 2050

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 8, 2020
Property Address	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0057882636
Book / Page	5788 / 2636
Map Reference	MB 26 PG 77&78
Instrument Date	Aug 27, 2020
Instrument	2020118854
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,708.70
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	5032 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0057882638
Date	Sep 8, 2020
Instrument	5788/2638

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$3,992.00 (+0.4%) Homeowner's exemption	$277,600 (-4.28%) Land $45,000 Building $232,600	$277,600 (-4.28%) Land $45,000 Building $232,600
2024	$3,976.00 (-3.26%)
2023	$4,110.00 (+38.38%) Homeowner's exemption	$290,000 (+37.14%) Land $14,900 Building $275,100	$290,000 (+19.64%) Land $14,900 Building $275,100
2022	$2,970.00 Homeowner's exemption	$211,459	$242,400 Land $14,900 Building $227,500

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 40% of the US · lower than 87% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 143 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Xfinity.

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