5676 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5676 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,054 sqft · built 2000
Lot Size	0.039 acres (1,742 sqft)
Owner	Individual Name on File
Last Sale	$325,000 (Jan 2026)
Tax Bill	$2,099 (2025)
Deeds & Mortgages	Jan 2026 Sale Feb 2022 Reverse Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`87097`

Property Details

APN / Parcel Number

Primary APN	`87097`
Alternative APN	`232630003200010260`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,054 sqft Heated Area
Gross Area	2,872 sqft
1st Floor Area	2,054 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Exterior Material	Concrete Block
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	1,742 sqft (0.039 acres)
Lot Dimensions	206 ft deep x 79 ft wide
Garage Type	Finished
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	202 sqft
Patio Area	420 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87097
Street Address	5676 MERLIN WAY
City	SAINT CLOUD
State	FL
Zip	34772-7047
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	CAMELOT UNIT 4 PB 6 PG 44 LOT 26
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT
Legal Tract	32
Legal Block	1
Legal Lot Number	26
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 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	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 9, 2026	Warranty Deed, Transfer ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC
Feb 1, 2022	Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP
May 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS
May 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 9, 2026 · Amount on Record
Deed Sale	Jan 9, 2026 · Amount on Record
Prior Sale	Jul 15, 1999 · Amount on Record
Deed Document Number	2026004002
Deed Book / Page	6906 / 974
Record Updated	Jun 8, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Jan 9, 2026
Property Address	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0069060974
Book / Page	6906 / 974
Map Reference	MB 6 PG 44
Instrument Date	Jan 9, 2026
Instrument	2026004002
Transaction Type	Transfer
Record Updated	Jan 26, 2026
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Tax	$2,275.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	3914 S FLORAL TER, INVERNESS, FL 34452-7667

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047

Mortgage

Document Number	0061410192
Date	Feb 1, 2022
Book Page	6141/192
Instrument	2022016986

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	887 Months
Due	Jan 9, 2096

Interest

Rate Type	Adjustable Rate
Rate	2.68%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2022
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	7.68%

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0057230168
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 22, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5676 MERLIN WAY ST CLOUD FL 347727047, ST CLOUD, FL 34772-7047

Mortgage

Document Number	0057230168
Date	May 15, 2020
Book Page	005723/000168
Instrument	64635

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 14, 2050

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5676 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0051510790
Book / Page	005151 / 000790
Instrument Date	May 15, 2017
Transaction Type	Mortgage
Record Updated	Jul 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5676 MERLIN WAY ST CLOUD FL 347727047, ST CLOUD, FL 34772-7047

Mortgage

Document Number	0051510790
Date	May 19, 2017
Book Page	005151/000790
Instrument	74388

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 18, 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	$2,099.00 (+6.98%) Homeowner's exemption	$160,144 (+5.99%)	$393,300 (+11.51%) Land $85,000 Building $308,300
2023	$1,962.00 (+4.14%) Homeowner's exemption	$151,099 (+3%)	$352,700 (+15.49%) Land $70,000 Building $282,700
2022	$1,884.00 Homeowner's exemption	$146,699	$305,400 Land $65,000 Building $240,400

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
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.

Nearby Properties on Merlin Way

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures