5046 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5046 Caspian St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,825 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$272,600 (Jun 2020)
Tax Bill	$4,349 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082531373700012110`

Property Details

APN / Parcel Number

Primary APN	`082531373700012110`

Interior

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

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	244 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5046 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 211
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	2
Legal Tract	3737
Legal Lot Number	211
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 082531373700012110

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	5046 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 23, 2020 · Amount on Record
Deed Sale	Jun 23, 2020 · Amount on Record
Deed Document Number	2020080071
Deed Book / Page	5741 / 2106
Record Updated	Jun 08, 2026

June 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 23, 2020
Property Address	5046 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0057412106
Book / Page	5741 / 2106
Map Reference	MB 26 PG 77&78
Instrument Date	Jun 18, 2020
Instrument	2020080071
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 06, 2021
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,908.20
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	5046 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	57412108
Date	Jun 23, 2020
Instrument	5741/2108

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025

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	$4,349.00 (+7.17%) Homeowner's exemption	$303,373 (+5.99%)	$314,000 (-5.76%) Land $45,000 Building $269,000
2023	$4,058.00 (+4.08%) Homeowner's exemption	$286,237 (+3%)	$333,200 (+19.9%) Land $14,900 Building $318,300
2022	$3,899.00 Homeowner's exemption	$277,900 Land $14,900 Building $263,000	$277,900 Land $14,900 Building $263,000

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 253 of 278 on primary residences
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Flood Events	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.