5162 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5162 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Townhouse
Details	2 bd · 3 ba · 1,617 sqft · built 2017
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$237,200 (Mar 2017)
Tax Bill	$4,793 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`082531373200010090`

Property Details

APN / Parcel Number

Primary APN	`082531373200010090`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,617 sqft Heated Area
Gross Area	2,236 sqft
1st Floor Area	841 sqft
Upper Floors Area	776 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	2,178 sqft (0.05 acres)
Garage Type	Detached - Finished
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	199 sqft
Patio Area	217 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5162 CASPIAN ST
City	SAINT CLOUD
State	FL
Zip	34771-7817
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Legal Description	LAKESHORE AT NARCOOSSEE PH 1 PB 23 PG 135-141 LOT 9
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	1
Legal Tract	3732
Legal Lot Number	9
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	43600

Owner

Source: Osceola County records, as of December 11, 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	5162 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Deed of Trust, Mortgage · Conventional Mortgage SPACE COAST CU
Mar 7, 2017	Grant Deed, Subdivision Related Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 7, 2017 · Amount on Record
Deed Sale	Mar 7, 2017 · Amount on Record
Deed Document Number	2017035513
Deed Book / Page	5112 / 2122
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5162 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Transaction Type	Mortgage
Record Updated	Apr 1, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5162 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0061740537
Date	Mar 17, 2022
Book Page	6174/537
Instrument	2022043146

Lender

Name	SPACE COAST CU
Type	Credit Union
Address	MELBOURNE, FL 32940

Agreement

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

March 2017: Grant Deed, Subdivision Related Transfer

Document Type	Grant Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 7, 2017
Property Address	5162 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0051122122
Book / Page	005112 / 002122
Instrument Date	Mar 3, 2017
Instrument	35513
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 4, 2019
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,660.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	5162 CASPIAN ST ST CLOUD FL 347717817, ST CLOUD, FL 34771-7817

Mortgage

Document Number	51122124
Date	Mar 7, 2017
Book Page	005112/002124
Instrument	35514

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 6, 2047

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	$4,793.00 (+52.69%) Homeowner's exemption	$233,664 (+5.99%)	$283,100 (-4.58%) Land $45,000 Building $238,100
2023	$3,139.00 (+4.42%) Homeowner's exemption	$220,466 (+3%)	$296,700 (+19.69%) Land $14,900 Building $281,800
2022	$3,006.00 Homeowner's exemption	$214,045	$247,900 Land $14,900 Building $233,000

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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