5678 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5678 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,200 sqft · built 1994
Lot Size	0.522 acres (22,738 sqft)
Owner	2 Individual Names on Record
Last Sale	$190,000 (Nov 2001)
Tax Bill	$2,920 (2025)
Deeds & Mortgages	Mar 2021 Mortgage May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0032-0001-0250`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0032-0001-0250`
Alternative APNs	`263023003200010250` `87096`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,200 sqft Living Area
Gross Area	3,177 sqft
1st Floor Area	2,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	22,738 sqft (0.522 acres)
Lot Dimensions	209 ft deep x 107 ft wide
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	480 sqft
Porch	Finished/Open Porch
Porch Area	471 sqft
Deck Area	586 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5678 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 25
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT UNIT 4
Legal Tract	32
Legal Block	250
Legal Lot Number	25
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 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 Record
Mailing Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage PNC BANK NA
May 2, 2022	Deed of Trust, Mortgage · Line of Credit ADDITION FINANCIAL CU
Nov 15, 2024	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2001 · Amount on Record
Deed Sale	Nov 19, 2001 · Amount on Record
Deed Book / Page	1959 / 2863
Last Transfer Date	Nov 15, 2024
Transfer Doc	0066971120
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	NATIONALLINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0059210061
Date	Mar 26, 2021
Book Page	5921/61
Instrument	2021045284

Lender

Name	PNC BANK NA
Type	Bank
Address	MIAMISBURG, OH 45342

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2036

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	PRIMERA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Mortgage

Document Number	0062052076
Date	May 2, 2022
Book Page	6205/2076
Instrument	2022069597

Lender

Name	ADDITION FINANCIAL CU
Type	Credit Union
Address	LAKE MARY, FL 32746

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	OSCEOLA FL
Recording Date	Nov 15, 2024
Property Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013
Document Number	0066971120
Book / Page	6697 / 1120
Map Reference	MB 6 PG 44
Instrument Date	Nov 15, 2024
Instrument	2024145996
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5678 MERLIN WAY, SAINT CLOUD, FL 34772-7013

Tax Assessment & Valuation

Source: Osceola County assessment roll, as of November 26, 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	$2,920.00 (+3.62%)	$206,027 (+5.99%)	$432,000 (+11.46%) Land $85,000 Building $347,000
2024	$2,818.00 (+2.81%)
2023	$2,741.00 (+3.79%) Homeowner's exemption	$194,390 (+3%)	$387,600 (+14.17%) Land $70,000 Building $317,600
2022	$2,641.00 Homeowner's exemption	$188,729	$339,500 Land $65,000 Building $274,500

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
Nearest Special Flood Hazard Area	Zone A, within 500 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 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% 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 402 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20

May also be available: Verizon, Xfinity.

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