5084 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5084 Caspian St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,464 sqft · built 2019
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on File
Last Sale	$350,800 (Jul 2023)
Tax Bill	$3,959 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Mar 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373700011930`

Property Details

APN / Parcel Number

Primary APN	`082531373700011930`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,464 sqft Heated Area
Gross Area	2,150 sqft
1st Floor Area	760 sqft
Upper Floors Area	704 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	266 sqft
Patio Area	300 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5084 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 193
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	2
Legal Tract	3737
Legal Lot Number	193
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	43600

Owner

Source: Osceola County records · APN 082531373700011930

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	5084 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2023	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE CORP
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage CENTERSTATE BANK NA
Oct 22, 2019	Grant Deed, Subdivision Related Transfer PGP TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 20, 2023 · Amount on Record
Deed Sale	Jul 20, 2023 · Amount on Record
Prior Sale	Oct 22, 2019 · Amount on Record
Deed Document Number	2023094030
Deed Book / Page	6443 / 2767
Record Updated	Jun 08, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jul 20, 2023
Property Address	5084 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0064432767
Book / Page	6443 / 2767
Map Reference	MB 26 PG 77
Instrument Date	Jun 30, 2023
Instrument	2023094030
Transaction Type	Transfer
Record Updated	Aug 07, 2023
Title Company	PERLAND T&E SVCS CORP

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,455.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13691 MOSS AGATE AVE, DELRAY BEACH, FL 33446-2248

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5084 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0064432769
Date	Jul 20, 2023
Instrument	6443/2769

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2053

Mortgage

Document Number	0064432783
Date	Jul 20, 2023
Book Page	6443/2783
Instrument	2023094032

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55442

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5084 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0057010779
Date	Mar 31, 2020
Book Page	5701/779
Instrument	2020045077

Lender

Name	CENTERSTATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

October 2019: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Oct 22, 2019
Property Address	5084 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0056092774
Book / Page	005609 / 002774
Instrument Date	Oct 18, 2019
Instrument	136662
Transaction Type	Subdivision Related Transfer
Record Updated	Nov 08, 2019
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Tax	$1,588.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5084 CASPIAN ST ST CLOUD FL 347717688, ST CLOUD, FL 34771-7688

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	$3,959.00 (+28.79%) Homeowner's exemption	$275,200 (+27.53%) Land $45,000 Building $230,200	$275,200 (-4.14%) Land $45,000 Building $230,200
2023	$3,074.00 (+4.45%) Homeowner's exemption	$215,787 (+3%)	$287,100 (+19.63%) Land $14,900 Building $272,200
2022	$2,943.00 Homeowner's exemption	$209,502	$240,000 Land $14,900 Building $225,100

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 57% of the US · above 29% of Florida
Wildfire Likelihood	About 1 in 719 per year
Exposure	Direct burnable vegetation at the parcel

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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