5174 Caspian St, Saint Cloud, FL 34771 Property Records

Osceola County property record for 5174 Caspian St, Saint Cloud, FL 34771

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,617 sqft · built 2017
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Sep 2025)
Tax Bill	$2,239 (2025)
Deeds & Mortgages	Jun 2023 Second Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`08-25-31-3732-0001-0030`

Property Details

APN / Parcel Number

Primary APN	`08-25-31-3732-0001-0030`
Alternative APN	`253108373200010030`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,617 sqft Living Area
Gross Area	2,236 sqft
1st Floor Area	841 sqft
Upper Floors Area	776 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Custom Design
Exterior Material	Concrete Block
Construction Type	Frame
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	199 sqft
Patio Area	217 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5174 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 3
Legal Range	31E
Legal Township	25S
Legal Section	08
Legal Subdivision	LAKESHORE AT NARCOOSSEE PH 1
Legal Phase	1
Legal Tract	3732
Legal Block	30
Legal Lot Number	3
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	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Mar 22, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW COMMUNITY CAPITAL LLC
Sep 9, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage UNITED WHOLESALE MORTGAGE
Sep 9, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Aug 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	Sep 9, 2025 · Amount on Record
Deed Sale	Sep 9, 2025 · Amount on Record
Prior Sale	Aug 17, 2017 · Amount on Record
Deed Document Number	2025111673
Deed Book / Page	6846 / 1480
Record Updated	Sep 20, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0064302002
Date	Jun 26, 2023
Book Page	6430/2002
Instrument	2023082152

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 26, 2038

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0059162726
Date	Mar 22, 2021
Book Page	5916/2726
Instrument	2021041786

Lender

Name	LAKEVIEW COMMUNITY CAPITAL LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	320 Months
Due	Nov 1, 2047

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0068461507
Date	Sep 9, 2025
Book Page	6846/1507
Instrument	2025111676

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 9, 2025
Property Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0068461480
Book / Page	6846 / 1480
Map Reference	MB 23 PG 135-141
Instrument Date	Sep 2, 2025
Instrument	2025111673
Transaction Type	Transfer
Record Updated	Dec 17, 2025
Title Company	EVERGREEN TITLE SERVICES LLC, EVERGREEN STLMT SERVICES LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$2,450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2116 DILL DR, ORLANDO, FL 32837-8511

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5174 CASPIAN STRECT, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0068461484
Date	Sep 9, 2025
Instrument	6846/1484

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

August 2017: Special Warranty Deed, Subdivision Related Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 17, 2017
Property Address	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817
Document Number	0051960448
Book / Page	5196 / 0448
Map Reference	MB23 PG135-141
Instrument Date	Aug 16, 2017
Instrument	2017119533
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 8, 2022
Title Company	PGP TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,688.40
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	5174 CASPIAN ST, SAINT CLOUD, FL 34771-7817

Mortgage

Document Number	0051960450
Date	Aug 17, 2017
Book Page	5196/0450
Instrument	2017119534

Lender

Name	PULTE MORTGAGE LLC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80112

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$2,239.00 (+9.17%)	$151,088 (+5.99%)	$283,100 (-4.58%) Land $45,000 Building $238,100
2023	$2,051.00 (+5.23%) Homeowner's exemption	$142,554 (+3%)	$296,700 (+19.69%) Land $14,900 Building $281,800
2022	$1,949.00 Homeowner's exemption	$138,402	$247,900 Land $14,900 Building $233,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

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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