Osceola County property record for 5682 Merlin Way, Saint Cloud, FL 34772
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,930 sqft · built 1998 |
| Lot Size | 0.366 acres (15,942 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $410,000 (Apr 2022) |
| Tax Bill | $6,008 (2025) |
| Deeds & Mortgages | Feb 2019 Mortgage Apr 2022 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 23-26-30-0032-0001-0230 |
| Primary APN | 23-26-30-0032-0001-0230 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,930 sqft Living Area |
| Gross Area | 2,788 sqft |
| 1st Floor Area | 1,930 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Concrete Block |
| Construction Type | Masonry / Concrete Block |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 15,942 sqft (0.366 acres) |
| Lot Dimensions | 169 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 508 sqft |
| Parking Spaces | 2 Parking Spaces |
| Pool Type | In-Ground Pool |
|---|---|
| Pool Area | 392 sqft |
| Porch | Florida Room |
| Porch Area | 350 sqft |
| Deck Area | 622 sqft |
| Cooling System | Package A/C |
|---|---|
| Heating System | HVAC |
| Street Address | 5682 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 23 |
| Legal Range | 30E |
| Legal Township | 26S |
| Legal Section | 23 |
| Legal Subdivision | CAMELOT UNIT 4 |
| Legal Tract | 32 |
| Legal Block | 230 |
| Legal Lot Number | 23 |
| Legal Unit | 4P |
| Jurisdiction | OSCEOLA FL |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 43304 |
Source: Osceola County records · APN 23-26-30-0032-0001-0230
Assessment roll updated November 26, 2025 · Last verified April 2026
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 File |
|---|---|
| Mailing Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 12, 2019 | Deed of Trust, Mortgage · FHA Mortgage RP FUNDING INC |
| Apr 12, 2022 | Special Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP |
| Dec 17, 2021 | Warranty Deed, Transfer ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Dec 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 12, 2022 · Amount on Record |
| Deed Sale | Apr 12, 2022 · Amount on Record |
| Prior Sale | Dec 17, 2021 · Amount on Record |
| Deed Document Number | 202258202 |
| Deed Book / Page | 6192 / 1853 |
| Prior Transfer Date | Sep 22, 2008 |
| Prior Transfer Doc | 0037510286 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Transaction Type | Mortgage |
| Record Updated | Aug 01, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0054752670 |
|---|---|
| Date | Feb 12, 2019 |
| Book Page | 5475/2670 |
| Instrument | 2019018065 |
| Name | RP FUNDING INC |
|---|---|
| Type | Mortgage Company |
| Address | LAKE MARY, FL 32746 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 01, 2049 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Apr 12, 2022 |
| Property Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Document Number | 0061921853 |
| Book / Page | 6192 / 1853 |
| Map Reference | MB 6 PG 44 |
| Instrument Date | Apr 06, 2022 |
| Instrument | 2022058202 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,870.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Name | Verified Name |
|---|---|
| Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Document Number | 0061921857 |
|---|---|
| Date | Apr 12, 2022 |
| Instrument | 6192/1857 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Recording Date | Dec 17, 2021 |
| Property Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Document Number | 0061110406 |
| Book / Page | 6111 / 406 |
| Map Reference | MB 6 PG 44 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 2021195516 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2025 |
| Title Company | ZILLOW CLOSING SERVICES LLC, ZILLOW CLOSING SVCS POST CLO |
| Amount | Amount Recorded |
|---|---|
| Tax | $2,601.90 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Name | Verified Name |
|---|---|
| Address | 4343 N SCOTTSDALE RD STE 390, 390, SCOTTSDALE, AZ 85251-3347 |
| Investor | Possibly a Property Investor |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OSCEOLA FL |
| Property Address | 5682 MERLIN WAY, SAINT CLOUD, FL 34772-7047 |
| Document Number | 0056522037 |
| Instrument Date | Dec 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Jan 21, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 5682 MERLIN WAY ST CLOUD FL 347727047, ST CLOUD, FL 34772-7047 |
| Document Number | 0056522037 |
|---|---|
| Date | Jan 06, 2020 |
| Book Page | 005652/002037 |
| Instrument | 1529 |
| Name | CROSSCOUNTRY MTG |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jan 05, 2060 |
Source: Osceola County records · Assessment roll updated November 26, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Florida |
| County | Osceola County |
| Municipality | St. Cloud City |
| Unified School District | Osceola County School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,008.00 (+3.39%) Homeowner's exemption | $378,585 (+5.99%) | $399,600 (+11.87%) Land $85,000 Building $314,600 |
| 2024 | $5,811.00 (+2.41%) | ||
| 2023 | $5,674.00 (+1.1%) Homeowner's exemption | $357,200 (+14.78%) Land $70,000 Building $287,200 | $357,200 (+14.78%) Land $70,000 Building $287,200 |
| 2022 | $5,612.00 | $311,200 Land $65,000 Building $246,200 | $311,200 Land $65,000 Building $246,200 |
Source: FEMA National Flood Hazard Layer, Osceola County (12097C), updated September 24, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 120970433042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 |
| 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 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 402 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| AT&T Fiber | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Lumen Technologies DSL | 140 / 20 |
May also be available: Verizon, Xfinity.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | ST. CLOUD, CITY OF (3 WPS) serves 82,752 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | 2 ppb (2023) action level 15 ppb |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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