Osceola County property record for 5089 Caspian St, Saint Cloud, FL 34771
| Property Type | Townhouse |
|---|---|
| Details | 3 bd · 3 ba · 1,825 sqft · built 2018 |
| Lot Size | 0.08 acres (3,485 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Jun 2025) |
| Tax Bill | $4,989 (2025) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Nov 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 082531373700012620 |
| Primary APN | 082531373700012620 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| 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 |
| Year Built | Built 2018 |
|---|---|
| Exterior Material | Aluminum Siding |
| Foundation Type | Footing |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 3,485 sqft (0.08 acres) |
| Garage Type | Detached - Finished |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 44 sqft |
| Patio Area | 244 sqft |
| Fence | Fence |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5089 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 262 |
| Legal Range | 31E |
| Legal Township | 25S |
| Legal Section | 08 |
| Legal Subdivision | LAKESHORE AT NARCOOSSEE TWNHMS |
| Legal Phase | 2 |
| Legal Tract | 3737 |
| Legal Lot Number | 262 |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 43600 |
Source: Osceola County records · APN 082531373700012620
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 |
|---|---|
| Mailing Address | 5089 CASPIAN ST, SAINT CLOUD, FL 34771-7689 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 03, 2022 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Nov 21, 2018 | Grant Deed, Transfer PGP TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 18, 2025 · Amount on Record |
| Deed Sale | Jun 18, 2025 · Amount on Record |
| Prior Sale | Nov 21, 2018 · Amount on Record |
| Deed Document Number | 0068082888 |
| Deed Book / Page | 6163 / 18 |
| Prior Transfer Date | Mar 03, 2022 |
| Prior Transfer Doc | 2022034315 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Mar 03, 2022 |
| Property Address | 5089 CASPIAN ST, SAINT CLOUD, FL 34771-7689 |
| Document Number | 0061630018 |
| Book / Page | 6163 / 18 |
| Map Reference | MB 26 PG 77&78 |
| Instrument Date | Feb 16, 2022 |
| Instrument | 2022034315 |
| Transaction Type | Transfer |
| Record Updated | Mar 17, 2022 |
| Title Company | SELCO TITLE AND ESCROW CORPORATION, SELCO TITLE & ESCROW CORP |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,730.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 22845 SW 89TH CT, 22845, CUTLER BAY, FL 33190-1361 |
| Name | Verified Name |
|---|---|
| Address | 5089 CASPIAN ST, SAINT CLOUD, FL 34771-7689 |
| Document Number | 0000616321 |
|---|---|
| Date | Mar 03, 2022 |
| Instrument | 6163/21 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Nov 21, 2018 |
| Property Address | 5089 CASPIAN ST, SAINT CLOUD, FL 34771-7689 |
| Document Number | 0054361361 |
| Book / Page | 005436 / 001361 |
| Instrument Date | Nov 19, 2018 |
| Instrument | 171265 |
| Transaction Type | Transfer |
| Record Updated | Dec 18, 2018 |
| Title Company | PGP TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,856.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5089 CASPIAN ST ST CLOUD FL 34771, ST CLOUD, FL 34771 |
Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Unified School District | Osceola County School District (PK - 12) |
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 | $4,989.00 (+7.82%) | $308,700 (-5.6%) Land $45,000 Building $263,700 | $308,700 (-5.6%) Land $45,000 Building $263,700 |
| 2023 | $4,627.00 (+9.41%) Homeowner's exemption | $327,000 (+19.78%) Land $14,900 Building $312,100 | $327,000 (+19.78%) Land $14,900 Building $312,100 |
| 2022 | $4,229.00 | $273,000 Land $14,900 Building $258,100 | $273,000 Land $14,900 Building $258,100 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), as of September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970436001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 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 |
|
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, Lumen Technologies, Xfinity.
Based on FCC filings for 143 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System, water system FL3491373, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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