5145 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5145 Caspian St, Saint Cloud, FL 34771 · Last verified December 2025

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,617 sqft · built 2016
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$272,000 (Feb 2019)
Tax Bill	$2,511 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Feb 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373200010560`

Property Details

APN / Parcel Number

Primary APN	`082531373200010560`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,617 sqft Heated Area
Gross Area	2,449 sqft
1st Floor Area	841 sqft
Upper Floors Area	1,064 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2016
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	2,614 sqft (0.06 acres)
Garage Type	Detached - Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	124 sqft
Patio Area	292 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5145 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7831
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 56
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	1
Legal Tract	3732
Legal Lot Number	56
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43600

Owner

Source: Osceola County records · APN 082531373200010560

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	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Feb 07, 2019	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC
Jan 17, 2017	Special Warranty Deed, Subdivision Related Transfer · FHA Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 07, 2019 · Amount on Record
Deed Sale	Feb 07, 2019 · Amount on Record
Prior Sale	Jan 17, 2017 · Amount on Record
Deed Document Number	2019016664
Deed Book / Page	5474 / 0756
Record Updated	Jun 08, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831

Mortgage

Document Number	0058262559
Date	Nov 04, 2020
Book Page	5826/2559
Instrument	2020150492

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Feb 07, 2019
Property Address	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Document Number	0054740756
Book / Page	5474 / 0756
Map Reference	MB 23 PG 135-141
Instrument Date	Jan 31, 2019
Instrument	2019016664
Transaction Type	Transfer
Record Updated	Feb 08, 2022
Title Company	FIDELITY NATL TITLE OF FLORI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,904.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831

Mortgage

Document Number	2019016665
Date	Feb 07, 2019
Instrument	2019016665

Lender

Name	CROSSCOUNTRY MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2049

January 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 17, 2017
Property Address	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Document Number	0050862942
Book / Page	5086 / 2942
Map Reference	MB23 PG135-141
Instrument Date	Dec 30, 2016
Instrument	2017009318
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 08, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,691.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4901 VINELAND RD STE 500, 4901, ORLANDO, FL 32811-7383

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5145 CASPIAN ST, SAINT CLOUD, FL 34771-7831

Mortgage

Document Number	0050862944
Date	Jan 17, 2017
Instrument	5086/2944

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 01, 2047

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	$2,511.00 (+8.7%) Homeowner's exemption	$170,720 (+5.99%)	$291,800 (-4.98%) Land $45,000 Building $246,800
2023	$2,310.00 (+5%) Homeowner's exemption	$161,077 (+3%)	$307,100 (+19.73%) Land $14,900 Building $292,200
2022	$2,200.00 Homeowner's exemption	$156,386	$256,500 Land $14,900 Building $241,600

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 47% of the US · above 18% of Florida
Wildfire Likelihood	About 1 in 1,563 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 394 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Lumen Technologies	Fiber	2,000 / 1,000
Spectrum	Cable	1,000 / 1,000

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

Mobile Coverage

5G and 4G LTE

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