Osceola County property record for 5038 Caspian St, Saint Cloud, FL 34771
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,825 sqft · built 2020 |
| Lot Size | 0.06 acres (2,614 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (May 2022) |
| Tax Bill | $5,063 (2025) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Jun 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 082531373700012150 |
| Primary APN | 082531373700012150 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,825 sqft Heated Area |
| Gross Area | 2,289 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 2,614 sqft (0.06 acres) |
| Garage Type | Detached - Finished |
| Porch | Open Porch |
| Patio Area | 244 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5038 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 215 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 08 |
| Legal Subdivision | LAKESHORE AT NARCOOSSEE TWNHMS |
| Legal Phase | 2 |
| Legal Tract | 3737 |
| Legal Lot Number | 215 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records · APN 082531373700012150
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 | 5038 CASPIAN ST, SAINT CLOUD, FL 34771-7688 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Jun 29, 2020 | Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on Record |
| Deed Sale | May 18, 2022 · Amount on Record |
| Prior Sale | Jun 29, 2020 · Amount on Record |
| Deed Document Number | 2022078743 |
| Deed Book / Page | 6216 / 2240 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | May 18, 2022 |
| Property Address | 5038 CASPIAN ST, SAINT CLOUD, FL 34771-7688 |
| Document Number | 0062162240 |
| Book / Page | 6216 / 2240 |
| Map Reference | MB 26 PG 77&78 |
| Instrument Date | May 10, 2022 |
| Instrument | 2022078743 |
| Transaction Type | Transfer |
| Record Updated | Jun 02, 2022 |
| Title Company | CELEBRATION TITLE GROUP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,835.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 63 WELLS AVE APT 1312, 63, YONKERS, NY 10701-2894 |
| Name | Verified Name |
|---|---|
| Address | 5038 CASPIAN ST, SAINT CLOUD, FL 34771-7688 |
| Document Number | 0062162242 |
|---|---|
| Date | May 18, 2022 |
| Instrument | 6216/2242 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Jun 29, 2020 |
| Property Address | 5038 CASPIAN ST, SAINT CLOUD, FL 34771-7688 |
| Document Number | 0057450645 |
| Book / Page | 5745 / 645 |
| Map Reference | MB 26 PG 77&78 |
| Instrument Date | Jun 25, 2020 |
| Instrument | 2020083154 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Feb 06, 2021 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,970.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383 |
| Name | Verified Name |
|---|---|
| Address | 5038 CASPIAN ST, SAINT CLOUD, FL 34771-7688 |
| Document Number | 5745647 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 5745/647 |
| Name | PULTE MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $5,063.00 (-4%) | $314,000 (-5.76%) Land $45,000 Building $269,000 | $314,000 (-5.76%) Land $45,000 Building $269,000 |
| 2023 | $5,274.00 (+55.35%) | $333,200 (+37.77%) Land $14,900 Building $318,300 | $333,200 (+19.9%) Land $14,900 Building $318,300 |
| 2022 | $3,395.00 Homeowner's exemption | $241,844 | $277,900 Land $14,900 Building $263,000 |
Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Lumen Technologies, Xfinity.
Based on FCC filings for 143 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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