5681 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5681 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,414 sqft · built 2000
Lot Size	0.353 acres (15,376 sqft)
Owner	2 Individual Names on Record
Last Sale	$602,000 (Aug 2024)
Tax Bill	$8,357 (2025)
Deeds & Mortgages	Aug 2024 Sale & Mortgage Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`23-26-30-0032-0001-0100`

Property Details

APN / Parcel Number

Primary APN	`23-26-30-0032-0001-0100`
Alternative APNs	`263023003200010100` `87081`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,414 sqft Living Area
Gross Area	3,354 sqft
1st Floor Area	2,414 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete Block
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	15,376 sqft (0.353 acres)
Lot Dimensions	157 ft deep x 95.2 ft wide
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	255 sqft
Porch	Finished/Open Porch
Porch Area	340 sqft
Deck Area	793 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Street Address	5681 MERLIN WAY
City	SAINT CLOUD
State	FL
Zip	34772-7045
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR1
Legal Description	CAMELOT UNIT 4 PB 6 PG 44 LOT 10
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT UNIT 4
Legal Tract	32
Legal Block	100
Legal Lot Number	10
Legal Unit	4P
Jurisdiction	OSCEOLA FL
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
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	5681 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2024	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Aug 11, 2022	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2024 · Amount on Record
Deed Sale	Aug 8, 2024 · Amount on Record
Prior Sale	Aug 11, 2022 · Amount on Record
Deed Document Number	2024103257
Deed Book / Page	6647 / 765
Prior Transfer Date	Apr 23, 2015
Prior Transfer Doc	0047712573
Record Updated	Jun 8, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 8, 2024
Property Address	5681 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Document Number	0066470765
Book / Page	6647 / 765
Map Reference	MB 6 PG 44
Instrument Date	Aug 7, 2024
Instrument	2024103257
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	UNKNOWN, CITRUS CLOSING GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,214.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8330 GALLEY CT, INDIANAPOLIS, IN 46236-8855

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 MERLIN WAY, SAINT CLOUD, FL 34772-7045

Mortgage

Document Number	2024103258
Date	Aug 8, 2024
Instrument	2024103258

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2054

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 11, 2022
Property Address	5681 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Document Number	0062670841
Book / Page	6267 / 841
Map Reference	MB 6 PG 44
Instrument Date	Jul 9, 2022
Instrument	2022123082
Transaction Type	Transfer
Record Updated	Dec 12, 2025
Title Company	ORLANDO TITLE PROFESSIONALS LL, LAND TITLE PROFESSIONALS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,200.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5681 MERLIN WAY, SAINT CLOUD, FL 34772-7045

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5681 MERLIN WAY, SAINT CLOUD, FL 34772-7045

Mortgage

Document Number	0006267844
Date	Aug 11, 2022
Instrument	6267/844

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2037

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	$8,357.00 (+32.69%)	$466,700 (+21.64%) Land $85,000 Building $381,700	$466,700 (+11.12%) Land $85,000 Building $381,700
2024	$6,298.00 (+2.41%)
2023	$6,150.00 (+62.18%) Homeowner's exemption	$383,670 (+51.92%)	$420,000 (+15.26%) Land $70,000 Building $350,000
2022	$3,792.00 Homeowner's exemption	$252,554	$364,400 Land $65,000 Building $299,400

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 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 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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