5094 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5094 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,825 sqft · built 2015
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$259,900 (Aug 2019)
Tax Bill	$5,082 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Dec 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-0390`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-0390`
Alternative APN	`253108373200010390`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,825 sqft Living Area
Gross Area	2,289 sqft
1st Floor Area	913 sqft
Upper Floors Area	912 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	L-Shape
Exterior Material	Combination
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,178 sqft (0.05 acres)
Garage Type	Detached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Open Porch
Porch Area	44 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5094 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 1 PB 23 PG 135-141 LOT 39
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	390
Legal Lot Number	39
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 November 26, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 7, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Dec 16, 2021	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Aug 12, 2019	Warranty Deed, Transfer · FHA Mortgage PLANET HM LNDG
Sep 24, 2018	Loan Modification, Mortgage · FHA Mortgage ROUNDPOINT MTG SVCNG
Aug 24, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 12, 2019 · Amount on Record
Deed Sale	Aug 12, 2019 · Amount on Record
Prior Sale	Dec 29, 2015 · Amount on Record
Deed Document Number	2019103693
Deed Book / Page	5571 / 2705
Prior Transfer Date	Jul 23, 2018
Prior Transfer Doc	0053902403
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Transaction Type	Mortgage
Record Updated	Jun 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0062280815
Date	Jun 7, 2022
Book Page	6228/815
Instrument	2022088580

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Transaction Type	Mortgage
Record Updated	May 2, 2022
Title Company	LAWYERS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688

Mortgage

Document Number	0061091819
Date	Dec 16, 2021
Book Page	6109/1819
Instrument	2021194245

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 12, 2019
Property Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0055712705
Book / Page	005571 / 002705
Instrument Date	Aug 8, 2019
Instrument	103693
Transaction Type	Transfer
Record Updated	Aug 21, 2019
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,819.30
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5094 CASPIAN ST ST CLOUD FL 347717688, ST CLOUD, FL 34771-7688

Mortgage

Document Number	55712707
Date	Aug 12, 2019
Book Page	005571/002707
Instrument	103694

Lender

Name	PLANET HM LNDG
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2049

September 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	OSCEOLA FL
Property Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0054180107
Instrument Date	Sep 24, 2018
Transaction Type	Mortgage
Record Updated	Oct 31, 2018
Title Company	CORELOGIC-SOLUTIONS EXPRESS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5094 CASPIAN ST ST CLOUD FL 347717817, ST CLOUD, FL 34771-7817

Mortgage

Document Number	0054180107
Date	Oct 16, 2018
Book Page	005418/000107
Instrument	154770

Lender

Name	ROUNDPOINT MTG SVCNG
Type	Mortgage Company
Address	CHARLOTTE, NC 28217

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

Interest

Rate	4.87%

August 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 24, 2018
Property Address	5094 CASPIAN ST, SAINT CLOUD, FL 34771-7688
Document Number	0053902403
Book / Page	005390 / 002403
Instrument Date	Jul 23, 2018
Instrument	129340
Transaction Type	Transfer
Record Updated	Sep 12, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Estate
Address	5094 CASPIAN ST ST CLOUD FL 347717817, ST CLOUD, FL 34771-7817

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	$5,082.00 (+47.43%) Homeowner's exemption	$251,418 (+5.99%)	$299,700 (-5.37%) Land $45,000 Building $254,700
2024	$3,447.00 (+2.19%)
2023	$3,373.00 (+4.3%) Homeowner's exemption	$237,217 (+3%)	$316,700 (+19.74%) Land $14,900 Building $301,800
2022	$3,234.00 Homeowner's exemption	$230,308	$264,500 Land $14,900 Building $249,600

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 57% of the US · lower than 71% of Florida
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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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