5041 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5041 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,825 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$387,000 (Aug 2023)
Tax Bill	$4,456 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3737-0001-2760`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3737-0001-2760`
Alternative APN	`253108373700012760`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,825 sqft Living Area
Gross Area	2,289 sqft
1st Floor Area	913 sqft
Upper Floors Area	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
Effective Year Built	Effective 2019
Architectural Style	L-Shape
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
Porch Area	44 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5041 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 2 PB 26 PGS 77-78 LOT 276
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 2
Legal Phase	2
Legal Lot Number	276
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 June 4, 2026

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
Mailing Address	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single Woman

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 12, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2023 · Amount on Record
Deed Sale	Aug 29, 2023 · Amount on Record
Prior Sale	Mar 12, 2019 · Amount on Record
Deed Document Number	2023113530
Deed Book / Page	6465 / 1313
Record Updated	Sep 20, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2023
Property Address	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Document Number	0064651313
Book / Page	6465 / 1313
Map Reference	MB 26 PG 77&78
Instrument Date	Aug 28, 2023
Instrument	2023113530
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	SAINT LAWRENCE TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,709.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689

Mortgage

Document Number	0064651315
Date	Aug 29, 2023
Instrument	6465/1315

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0060560428
Date	Oct 1, 2021
Book Page	6056/428
Instrument	2021152649

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0058010136
Date	Sep 29, 2020
Book Page	5801/136
Instrument	2020129478

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

March 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 12, 2019
Property Address	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Document Number	0054900756
Book / Page	5490 / 0756
Map Reference	MB 26 PG 77&78
Instrument Date	Mar 11, 2019
Instrument	2019031581
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,841.00
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	5041 CASPIAN ST, SAINT CLOUD, FL 34771-7689

Mortgage

Document Number	2019031582
Date	Mar 12, 2019
Instrument	2019031582

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2049

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	$4,456.00 (+0.13%)	$311,100 (+26.07%) Land $45,000 Building $266,100	$311,100 (-5.73%) Land $45,000 Building $266,100
2024	$4,450.00 (+26.89%)
2023	$3,507.00 (+4.28%) Homeowner's exemption	$246,765 (+3%)	$330,000 (+19.91%) Land $14,900 Building $315,100
2022	$3,363.00 Homeowner's exemption	$239,578	$275,200 Land $14,900 Building $260,300

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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