5157 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5157 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	3 bd · 3 ba · 1,825 sqft · built 2017
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$395,000 (Jun 2023)
Tax Bill	$4,660 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Dec 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`082531373200010620`

Property Details

APN / Parcel Number

Primary APN	`082531373200010620`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	3 Stories
Building Area	1,825 sqft Heated Area
Gross Area	2,776 sqft
1st Floor Area	913 sqft
Upper Floors Area	1,399 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Exterior Material	Stucco
Construction Type	Frame
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	44 sqft
Patio Area	244 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5157 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 62
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	1
Legal Tract	3732
Legal Lot Number	62
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1011
Census Tract	43600

Owner

Source: Osceola County assessment roll, as of July 1, 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	5157 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2023	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Dec 12, 2022	Warranty Deed, Transfer FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC
Oct 2, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Dec 27, 2017	Grant Deed, Subdivision Related Transfer PGP TITLE/FL INC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 8, 2023 · Amount on Record
Deed Sale	Jun 8, 2023 · Amount on Record
Prior Sale	Dec 12, 2022 · Amount on Record
Deed Document Number	2023073861
Deed Book / Page	6421 / 1063
Record Updated	Jun 8, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jun 8, 2023
Property Address	5157 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Document Number	0064211063
Book / Page	6421 / 1063
Map Reference	MB 23 PG 135-141
Instrument Date	May 31, 2023
Instrument	2023073861
Transaction Type	Transfer
Record Updated	Jun 19, 2023
Title Company	EXPRESS TTL & CLOSING SVCS L

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,765.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2711 SUNKISSED DR, SAINT CLOUD, FL 34771-8489

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9278 RANDAL PARK BLVD, ORLANDO, FL 32832-4951

Mortgage

Document Number	0064211066
Date	Jun 8, 2023
Instrument	6421/1066

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2053

Mortgage

Document Number	0064211083
Date	Jun 8, 2023
Book Page	6421/1083
Instrument	2023073863

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 12, 2022
Property Address	5157 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Document Number	0063281548
Book / Page	6328 / 1548
Map Reference	MB 23 PG 135-141
Instrument Date	Dec 8, 2022
Instrument	2022177847
Transaction Type	Transfer
Record Updated	Dec 29, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL OF FL INC

Transaction

Amount	Amount Recorded
Tax	$2,569.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9145 NARCOOSSEE RD STE 106, 106, ORLANDO, FL 32827-5702

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2711 SUNKISSED DR, SAINT CLOUD, FL 34771-8489

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5157 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0054110001
Date	Oct 2, 2018
Book Page	5411/0001
Instrument	2018147930

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 20, 2048

December 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Dec 27, 2017
Property Address	5157 CASPIAN ST, SAINT CLOUD, FL 34771-7831
Document Number	0052591047
Book / Page	005259 / 001047
Instrument Date	Dec 20, 2017
Instrument	183097
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2018
Title Company	PGP TITLE/FL INC

Transaction

Amount	Amount Recorded
Tax	$1,757.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5157 CASPIAN ST ST CLOUD FL 347717831, ST CLOUD, FL 34771-7831

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 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	$4,660.00 (-14.87%) Homeowner's exemption	$325,800 (-6.24%) Land $45,000 Building $280,800	$325,800 (-6.24%) Land $45,000 Building $280,800
2023	$5,474.00 (+54.76%)	$347,500 (+37.87%) Land $14,900 Building $332,600	$347,500 (+19.95%) Land $14,900 Building $332,600
2022	$3,537.00 Homeowner's exemption	$252,041	$289,700 Land $14,900 Building $274,800

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.

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