5049 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5049 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,825 sqft · built 2019
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (May 2021)
Tax Bill	$5,023 (2025)
Deeds & Mortgages	May 2021 Sale Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373700012720`

Property Details

APN / Parcel Number

Primary APN	`082531373700012720`

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
1st Floor Area	913 sqft
Upper Floors Area	912 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2019
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
Garage Area	420 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	44 sqft
Patio Area	244 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5049 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7689
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LAKESHORE AT NARCOOSSEE PH 2 PB 26 PGS 77-78 LOT 272
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	2
Legal Tract	3737
Legal Lot Number	272
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	36 RIDGE RD, GLEN ROCK, NJ 07452-2322
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 13, 2021	Warranty Deed, Transfer MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO
Apr 27, 2020	Deed of Trust, Mortgage SPACE COAST CU
Feb 7, 2019	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage THE MORTGAGE FIRM INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2021 · Amount on Record
Deed Sale	May 13, 2021 · Amount on Record
Prior Sale	Feb 7, 2019 · Amount on Record
Deed Document Number	2021074098
Deed Book / Page	5957 / 2632
Record Updated	Jun 8, 2026

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 13, 2021
Property Address	5049 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Document Number	0059572632
Book / Page	5957 / 2632
Map Reference	MB 26 PG 77
Instrument Date	May 11, 2021
Instrument	2021074098
Transaction Type	Transfer
Record Updated	May 31, 2021
Title Company	MAGNOLIA CLOSING COMPANY, MAGNOLIA CLOSING CO

Transaction

Amount	Amount Recorded
Tax	$2,135.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5049 CASPIAN ST, 5049, SAINT CLOUD, FL 34771-7689

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	36 RIDGE RD, GLEN ROCK, NJ 07452-2322

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5049 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Document Number	0057162627
Instrument Date	Apr 27, 2020
Transaction Type	Mortgage
Record Updated	Jun 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5049 CASPIAN ST ST CLOUD FL 347717689, ST CLOUD, FL 34771-7689

Mortgage

Document Number	0057162627
Date	May 1, 2020
Book Page	005716/002627
Instrument	59553

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2050

February 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 7, 2019
Property Address	5049 CASPIAN ST, SAINT CLOUD, FL 34771-7689
Document Number	0054732636
Book / Page	5473 / 2636
Map Reference	MB 26 PG 77&78
Instrument Date	Feb 7, 2019
Instrument	2019016206
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	HERITAGE TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,917.30
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	5049 CASPIAN ST, SAINT CLOUD, FL 34771-7689

Mortgage

Document Number	2019016207
Date	Feb 7, 2019
Instrument	2019016207

Lender

Name	THE MORTGAGE FIRM INC
Type	Mortgage Company

Agreement

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

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	$5,023.00 (+0.48%)	$311,100 (-5.73%) Land $45,000 Building $266,100	$311,100 (-5.73%) Land $45,000 Building $266,100
2023	$4,999.00 (+13.05%)	$330,000 (+19.91%) Land $14,900 Building $315,100	$330,000 (+19.91%) Land $14,900 Building $315,100
2022	$4,422.00	$275,200 Land $14,900 Building $260,300	$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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