5680 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5680 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,885 sqft · built 1999
Lot Size	0.553 acres (24,132 sqft)
Owner	Individual Name on Record
Last Sale	$480,000 (Sep 2023)
Tax Bill	$5,930 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`87095`

Property Details

APN / Parcel Number

Primary APN	`87095`
Alternative APN	`232630003200010240`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,885 sqft Heated Area
Gross Area	2,818 sqft
1st Floor Area	1,885 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Exterior Material	Stone
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	24,132 sqft (0.553 acres)
Lot Dimensions	221 ft deep x 94 ft wide
Garage Type	Finished
Garage Area	526 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	28 sqft
Porch	Open Porch
Porch Area	407 sqft
Deck Area	230 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87095
Street Address	5680 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 24
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT
Legal Tract	32
Legal Block	1
Legal Lot Number	24
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF AMERICA NA
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Sep 6, 2023	Warranty Deed, Transfer · Conventional Mortgage PROVIDENT FUNDING ASSOCIATES LP
Apr 24, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF AMERICA
Mar 31, 2017	Warranty Deed, Transfer · Conventional with PMI NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Mar 31, 2017 · Amount on Record
Deed Document Number	2023116897
Deed Book / Page	6469 / 1404
Record Updated	Jun 8, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047

Mortgage

Document Number	0060790384
Date	Nov 3, 2021
Book Page	6079/384
Instrument	2021171012

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INS COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047

Mortgage

Document Number	0068720687
Date	Oct 28, 2025
Book Page	6872/687
Instrument	2025133832

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 6, 2023
Property Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0064691404
Book / Page	6469 / 1404
Map Reference	MB 6 PG 44
Instrument Date	Sep 5, 2023
Instrument	2023116897
Transaction Type	Transfer
Record Updated	Dec 12, 2025

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,360.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2719 ANDOVER HILL WAY APT 3002, 3002, KNOXVILLE, TN 37931-3750

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047

Mortgage

Document Number	0064691406
Date	Sep 6, 2023
Instrument	6469/1406

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company

Agreement

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

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0057161753
Instrument Date	Apr 24, 2020
Transaction Type	Mortgage
Record Updated	Jun 24, 2020
Title Company	DOCPROBE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5680 MERLIN WAY ST CLOUD FL 347727047, ST CLOUD, FL 34772-7047

Mortgage

Document Number	0057161753
Date	Apr 30, 2020
Book Page	005716/001753
Instrument	59325

Lender

Name	BANK OF AMERICA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Apr 29, 2040

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Mar 31, 2017
Property Address	5680 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Document Number	0051250070
Book / Page	005125 / 000070
Instrument Date	Mar 30, 2017
Instrument	49169
Transaction Type	Transfer
Record Updated	May 19, 2017
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,750.00
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	5680 MERLIN WAY ST CLOUD FL 347727047, ST CLOUD, FL 34772-7047

Mortgage

Document Number	51250071
Date	Mar 31, 2017
Book Page	005125/000071
Instrument	49170

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 30, 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	$5,930.00 (+75.08%) Homeowner's exemption	$374,231 (+62.55%)	$400,200 (+11.57%) Land $85,000 Building $315,200
2023	$3,387.00 (+3.64%) Homeowner's exemption	$230,222 (+3%)	$358,700 (+15%) Land $70,000 Building $288,700
2022	$3,268.00 Homeowner's exemption	$223,517	$311,900 Land $65,000 Building $246,900

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 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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