5668 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5668 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,285 sqft · built 1994
Lot Size	0.75 acres (32,670 sqft)
Owner	2 Individual Names on Record
Last Sale	$349,000 (Sep 2017)
Tax Bill	$4 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Mar 2023 Mortgage + 5 more
Flood Zone	Zone A (high risk)
APN	`87101`

Property Details

APN / Parcel Number

Primary APN	`87101`
Alternative APN	`232630003200010300`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	3,285 sqft Heated Area
Gross Area	4,231 sqft
1st Floor Area	3,285 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	32,670 sqft (0.75 acres)
Lot Dimensions	155 ft deep x 98 ft wide
Garage Type	Finished
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	338 sqft
Porch	Open Porch
Porch Area	440 sqft
Deck Area	460 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87101
Street Address	5668 MERLIN WAY
City	SAINT CLOUD
State	FL
Zip	34772-7013
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	CAMELOT UNIT 4 PB 6 PG 44 LOT 30
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT
Legal Tract	32
Legal Block	1
Legal Lot Number	30
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	43304

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	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2022	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
Mar 27, 2023	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 5, 2025	Deed of Trust, Mortgage · VA Mortgage ADVANCE MORTGAGE & INVESTMENT CO INC
Sep 6, 2024	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Sep 29, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Feb 7, 2019	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Sep 5, 2017	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 5, 2017 · Amount on Record
Deed Sale	Sep 5, 2017 · Amount on Record
Prior Sale	Jun 22, 2011 · Amount on Record
Deed Document Number	2017127477
Deed Book / Page	5204 / 2356
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0062410584
Date	Jun 28, 2022
Book Page	6241/584
Instrument	2022100273

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0063761822
Date	Mar 27, 2023
Book Page	6376/1822
Instrument	2023034206

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2053

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0068761514
Date	Nov 5, 2025
Book Page	6876/1514
Instrument	2025137375

Lender

Name	ADVANCE MORTGAGE & INVESTMENT CO INC
Type	Mortgage Company
Address	DAPHNE, AL 36527

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2055

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0066611501
Date	Sep 6, 2024
Book Page	6661/1501
Instrument	2024115413

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2054

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0058011518
Date	Sep 29, 2020
Book Page	5801/1518
Instrument	2020129813

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65201

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Document Number	0054770619
Instrument Date	Feb 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 26, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5668 MERLIN WAY ST CLOUD FL 347727013, ST CLOUD, FL 34772-7013

Mortgage

Document Number	0054770619
Date	Feb 14, 2019
Book Page	005477/000619
Instrument	19250

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2049

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 5, 2017
Property Address	5668 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Document Number	0052042356
Book / Page	005204 / 002356
Instrument Date	Sep 1, 2017
Instrument	127477
Transaction Type	Transfer
Record Updated	Oct 5, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,443.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5668 MERLIN WAY ST CLOUD FL 347727013, ST CLOUD, FL 34772-7013

Mortgage

Document Number	52042357
Date	Sep 5, 2017
Book Page	005204/002357
Instrument	127478

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 4, 2047

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Osceola County
Municipality	St. Cloud City
Unified School District	Osceola County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$350,617 (+5.99%)	$567,900 (+10.68%) Land $85,000 Building $482,900
2023	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$330,812 (+3%)	$513,100 (+15.15%) Land $70,000 Building $443,100
2022	$4.00 Homeowner's exemption Disabled Person's exemption Veteran's exemption	$321,177	$445,600 Land $65,000 Building $380,600

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 36 policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	36 in force

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	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 124 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: AT&T, Xfinity.

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