5128 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5128 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,464 sqft · built 2016
Lot Size	0.05 acres (2,178 sqft)
Owner	Individual Name on Record
Last Sale	$340,000 (Aug 2025)
Tax Bill	$4,041 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-0220`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-0220`
Alternative APN	`253108373200010220`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,464 sqft Living Area
Gross Area	2,466 sqft
1st Floor Area	760 sqft
Upper Floors Area	1,020 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Effective Year Built	Effective 2016
Architectural Style	Custom Design
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	266 sqft
Patio Area	300 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5128 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 22
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	220
Legal Lot Number	22
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 August 11, 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	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Man, Separate Property

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTCO BANK
Jun 4, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTCO BANK
Nov 13, 2023	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Nov 9, 2023	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE
Dec 16, 2020	Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2025 · Amount on Record
Deed Sale	Aug 13, 2025 · Amount on Record
Prior Sale	Nov 9, 2023 · Amount on Record
Deed Document Number	2025100770
Deed Book / Page	6834 / 368
Prior Transfer Date	Nov 13, 2023
Prior Transfer Doc	0065041022
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jul 31, 2026
Property Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0000100260
Book / Page	7012 / 2945
Instrument Date	Jul 24, 2026
Instrument	2026100260
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0000100260,
Date	Jul 31, 2026
Book Page	7012/2945
Instrument	2026100260

Lender

Name	TRUSTCO BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 24, 2056

Interest

Rate	6.49%
Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Recording Date	Jun 4, 2026
Property Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0000073732
Book / Page	6982 / 2855
Instrument Date	May 29, 2026
Instrument	202673732
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Investor	Possibly a Property Investor

Mortgage

Document Number	0000073732,
Date	Jun 4, 2026
Book Page	6982/2855
Instrument	202673732

Lender

Name	TRUSTCO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 13, 2023
Property Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0065041022
Book / Page	6504 / 1022
Map Reference	MB 23 PG 135-141
Instrument Date	Nov 13, 2023
Instrument	2023149301
Transaction Type	Transfer
Record Updated	Dec 21, 2023
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13337 ALDERLEY DR, ORLANDO, FL 32832-6378

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Nov 9, 2023
Property Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0065031355
Book / Page	6503 / 1355
Map Reference	MB 23 PG 135
Instrument Date	Nov 9, 2023
Instrument	2023148550
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	NOT AVAILABLE, CITRUS CLOSING GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,520.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	13337 ALDERLEY DR, ORLANDO, FL 32832-6378

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0065031357
Date	Nov 9, 2023
Instrument	6503/1357

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 16, 2020
Property Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0058521962
Book / Page	5852 / 1962
Map Reference	MB 23 PG 135-141
Instrument Date	Dec 14, 2020
Instrument	2020171150
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	NONA TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,837.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1140 SAILVIEW DR, 1140, BUCKHEAD, GA 30625-2834

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5128 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0058521964
Date	Dec 16, 2020
Instrument	5852/1964

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

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	$4,041.00 (+0.37%)	$281,100 (-4.55%) Land $45,000 Building $236,100	$281,100 (-4.55%) Land $45,000 Building $236,100
2024	$4,026.00 (-8%)
2023	$4,376.00 (+12.99%)	$294,500 (+19.67%) Land $14,900 Building $279,600	$294,500 (+19.67%) Land $14,900 Building $279,600
2022	$3,873.00	$246,100 Land $14,900 Building $231,200	$246,100 Land $14,900 Building $231,200

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 47% of the US · lower than 82% of Florida
Wildfire Likelihood	0.06% 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 394 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

May also be available: AT&T, T-Mobile, Verizon, Xfinity.

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