5146 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5146 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,825 sqft · built 2016
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$233,000 (Aug 2018)
Tax Bill	$2,283 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Aug 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-0170`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-0170`
Alternative APN	`253108373200010170`

Interior

Bedrooms	2 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 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	44 sqft
Patio Area	244 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5146 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 17
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	170
Legal Lot Number	17
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43600

Owner

Source: Osceola County assessment roll, 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 File
Mailing Address	5146 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 2, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Aug 2, 2018	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 2, 2018 · Amount on Record
Deed Sale	Aug 2, 2018 · Amount on Record
Prior Sale	Sep 29, 2016 · Amount on Record
Deed Document Number	2018118254
Deed Book / Page	5378 / 1147
Last Transfer Date	Nov 26, 2021
Transfer Doc	0060990032
Record Updated	Jun 8, 2026

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Dec 2, 2021
Property Address	5146 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0060990032
Book / Page	6099 / 32
Map Reference	MB 23 PG 135-141
Instrument Date	Nov 26, 2021
Instrument	2021186114
Transaction Type	Transfer
Record Updated	Dec 21, 2021
Title Company	TRADITION TITLE & ESCROW LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5 L46 CASPIAN ST, SAINT CLOUD, FL 34771

Mortgage

Document Number	0000609934
Date	Dec 2, 2021
Instrument	6099/34

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 2, 2018
Property Address	5146 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0053781147
Book / Page	5378 / 1147
Map Reference	MB23 PG135-141
Instrument Date	Jul 27, 2018
Instrument	2018118254
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	CORE TITLE SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,631.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1046 MANCHA REAL DR, 1046, ORLANDO, FL 32807-2825

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5146 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	2018118255
Date	Aug 2, 2018
Instrument	2018118255

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

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	$2,283.00 (+6.53%) Homeowner's exemption	$154,227 (+5.99%)	$297,400 (-5.26%) Land $45,000 Building $252,400
2024	$2,143.00 (+2.39%)
2023	$2,093.00 (+5.23%) Homeowner's exemption	$145,516 (+3%)	$313,900 (+19.81%) Land $14,900 Building $299,000
2022	$1,989.00 Homeowner's exemption	$141,278	$262,000 Land $14,900 Building $247,100

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

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)
Lumen Technologies Fiber	2,000 / 1,000
Spectrum Cable	1,000 / 1,000

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

Nearby Properties on Caspian St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures