5054 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5054 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,464 sqft · built 2020
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$252,000 (Sep 2020)
Tax Bill	$3,812 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Apr 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3737-0001-2070`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3737-0001-2070`
Alternative APN	`253108373700012070`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,464 sqft Living Area
Gross Area	2,150 sqft
1st Floor Area	760 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Custom Design
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
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5054 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7688
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 2 PB 26 PGS 77-78 LOT 207
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 2
Legal Phase	2
Legal Lot Number	207
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 May 21, 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	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING
Apr 6, 2026	Deed of Trust · Line of Credit LAKEVIEW LOAN SERVICING
Sep 9, 2020	Special Warranty Deed, Subdivision Related Transfer · VA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2020 · Amount on Record
Deed Sale	Sep 9, 2020 · Amount on Record
Deed Document Number	2020119895
Deed Book / Page	5790 / 356
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2026
Property Address	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0069502755
Book / Page	6950 / 2755
Instrument Date	Mar 24, 2026
Instrument	202645666
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0000045666,
Date	Apr 6, 2026
Book Page	6950/2755
Instrument	202645666

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 20, 2046

Interest

Rate	5.98%
Max Rate	-1%

April 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Apr 6, 2026
Property Address	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0000045666
Book / Page	6950 / 2755
Instrument Date	Mar 24, 2026
Instrument	202645666
Record Updated	Apr 17, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES (RE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0000045666,
Date	Apr 6, 2026
Book Page	6950/2755
Instrument	202645666

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 20, 2046

Interest

Rate	5.98%
Max Rate	-1%

September 2020: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2020
Property Address	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0057900356
Book / Page	5790 / 356
Map Reference	MB 26 PG 77&78
Instrument Date	Sep 3, 2020
Instrument	2020119895
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,764.00
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	5054 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0005790358
Date	Sep 9, 2020
Instrument	5790/358

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

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

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	$3,812.00 (+5.19%) Homeowner's exemption	$264,619 (+5.99%)	$277,600 (-4.28%) Land $45,000 Building $232,600
2024	$3,624.00 (+2.17%)
2023	$3,547.00 (+4.23%) Homeowner's exemption	$249,672 (+3%)	$290,000 (+19.64%) Land $14,900 Building $275,100
2022	$3,403.00 Homeowner's exemption	$242,400 Land $14,900 Building $227,500	$242,400 Land $14,900 Building $227,500

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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