5072 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5072 Caspian St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,617 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$266,400 (May 2019)
Tax Bill	$2,841 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373700011980`

Property Details

APN / Parcel Number

Primary APN	`082531373700011980`

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
1st Floor Area	841 sqft
Upper Floors Area	776 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	2,178 sqft (0.05 acres)
Garage Type	Detached - Finished
Garage Area	420 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	199 sqft
Patio Area	217 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5072 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 198
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	2
Legal Tract	3737
Legal Lot Number	198
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 082531373700011980

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	5072 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Oct 14, 2019	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
May 22, 2019	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Deed Document Number	2019066390
Deed Book / Page	5528 / 2030
Record Updated	Jun 08, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5072 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5072 CASPLAN STREET, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0059351166
Date	Apr 14, 2021
Book Page	5935/1166
Instrument	2021056389

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2051

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5072 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Transaction Type	Mortgage
Record Updated	May 02, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0056051458
Date	Oct 14, 2019
Book Page	5605/1458
Instrument	2019132450

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2049

May 2019: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	May 22, 2019
Property Address	5072 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0055282030
Book / Page	5528 / 2030
Map Reference	MB 26 PG 77&78
Instrument Date	May 17, 2019
Instrument	2019066390
Transaction Type	Subdivision Related Transfer
Record Updated	May 02, 2022
Title Company	DBA PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,864.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD # 400, 4901, ORLANDO, FL 32811-7300

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5072 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0055282032
Date	May 22, 2019
Instrument	5528/2032

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2049

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	$2,841.00 (+8.27%) Homeowner's exemption	$194,518 (+5.99%)	$288,300 (-4.76%) Land $45,000 Building $243,300
2023	$2,624.00 (+4.75%) Homeowner's exemption	$183,531 (+3%)	$302,700 (+19.69%) Land $14,900 Building $287,800
2022	$2,505.00 Homeowner's exemption	$178,186	$252,900 Land $14,900 Building $238,000

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
Nearby Flood Claims	24 (1994–2022)
Claims Outside the SFHA	2 of 24
Most Recent Claim	Sep 2022, river or lake flooding, Hurricane Ian
Claims By Storm	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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 143 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Lumen Technologies, Xfinity, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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