5040 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5040 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,617 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$369,000 (Jul 2023)
Tax Bill	$4,175 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082531373700012140`

Property Details

APN / Parcel Number

Primary APN	`082531373700012140`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,617 sqft Heated Area
Gross Area	2,236 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
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
Porch	Open Porch
Patio Area	217 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5040 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 214
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	2
Legal Tract	3737
Legal Lot Number	214
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	5040 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 3, 2023	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jun 29, 2020	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on Record
Deed Sale	Jul 3, 2023 · Amount on Record
Prior Sale	Jun 29, 2020 · Amount on Record
Deed Document Number	2023085527
Deed Book / Page	6434 / 1365
Record Updated	Jun 8, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 3, 2023
Property Address	5040 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0064341365
Book / Page	6434 / 1365
Map Reference	MB 26 PG 77&78
Instrument Date	Jun 22, 2023
Instrument	2023085527
Transaction Type	Transfer
Record Updated	Jul 20, 2023
Title Company	NEW BEGINNINGS TITLE CO LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,583.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5252 SHERWOOD WAY, CUMMING, GA 30040-8249

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5040 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0064341367
Date	Jul 3, 2023
Instrument	6434/1367

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2053

June 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 29, 2020
Property Address	5040 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0057452604
Book / Page	5745 / 2604
Map Reference	MB 26 PG 77&78
Instrument Date	Jun 11, 2020
Instrument	2020083735
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,922.20
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	5040 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	57452606
Date	Jun 29, 2020
Instrument	5745/2606

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

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	$4,175.00 (-7.57%) Homeowner's exemption	$290,800 (-4.91%) Land $45,000 Building $245,800	$290,800 (-4.91%) Land $45,000 Building $245,800
2023	$4,517.00 (+13.04%)	$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

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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