5168 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5168 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 Record
Last Sale	$380,000 (May 2023)
Tax Bill	$3,504 (2025)
Deeds & Mortgages	Jan 2026 Second Mortgage May 2023 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`082531373200010060`

Property Details

APN / Parcel Number

Primary APN	`082531373200010060`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
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	5168 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 6
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE TWNHMS
Legal Phase	1
Legal Tract	3732
Legal Lot Number	6
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	Individual Name on Record
Mailing Address	5168 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PARTNERS FCU
May 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage PARTNERS FCU
Aug 18, 2017	Special Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PULTE MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 5, 2023 · Amount on Record
Deed Sale	May 5, 2023 · Amount on Record
Deed Document Number	0064021380
Deed Book / Page	5196 / 2537
Prior Transfer Date	Aug 18, 2017
Prior Transfer Doc	2017120233
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5168 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Transaction Type	Mortgage
Record Updated	Jan 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5168 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0069071980
Date	Jan 13, 2026
Book Page	6907/1980
Instrument	2026005474

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 26, 2046

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5168 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	FIRST INTERNATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3136 HARVEST LN, KISSIMMEE, FL 34744-9219

Mortgage

Document Number	0064021382
Date	May 8, 2023
Book Page	6402/1382
Instrument	2023057327

Lender

Name	PARTNERS FCU
Type	Credit Union
Address	ORLANDO, FL 32821

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jun 1, 2028
Change Frequency	Annually
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	1-Year T-Bill
Max Rate	10.6%

August 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 18, 2017
Property Address	5168 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0051962537
Book / Page	5196 / 2537
Map Reference	MB23 PG135-141
Instrument Date	Aug 17, 2017
Instrument	2017120233
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,010.40
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	5168 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0051962539
Date	Aug 18, 2017
Instrument	5196/2539

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 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	$3,504.00 (-4%) Homeowner's exemption	$242,336 (-5.71%)	$326,100 (-6.27%) Land $45,000 Building $281,100
2023	$3,650.00 (+4.23%) Homeowner's exemption	$257,023 (+3%)	$347,900 (+19.92%) Land $14,900 Building $333,000
2022	$3,502.00 Homeowner's exemption	$249,537	$290,100 Land $14,900 Building $275,200

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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