5687 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5687 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,492 sqft · built 1990
Lot Size	0.342 acres (14,941 sqft)
Owner	Individual Name on Record
Last Sale	$234,900 (Sep 2017)
Tax Bill	$3,731 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Dec 2023 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`87082`

Property Details

APN / Parcel Number

Primary APN	`87082`
Alternative APN	`232630003200010110`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,492 sqft Heated Area
Gross Area	3,008 sqft
1st Floor Area	2,072 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,941 sqft (0.342 acres)
Lot Dimensions	166 ft deep x 89 ft wide
Garage Type	Finished
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	360 sqft
Porch	Enclosed Porch
Porch Area	452 sqft
Deck Area	565 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87082
Street Address	5687 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 11
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT
Legal Tract	32
Legal Block	1
Legal Lot Number	11
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 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	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Dec 4, 2023	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
May 15, 2025	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 16, 2020	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 14, 2017	Special Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Aug 29, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 14, 2017 · Amount on Record
Deed Sale	Sep 14, 2017 · Amount on Record
Prior Sale	Aug 29, 2017
Deed Document Number	2017130544
Deed Book / Page	5208 / 0077
Record Updated	Jun 8, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Investor	Possibly a Property Investor

Mortgage

Document Number	0060590809
Date	Oct 5, 2021
Book Page	6059/809
Instrument	2021154913

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	309 Months
Due	Jul 1, 2047

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Investor	Possibly a Property Investor

Mortgage

Document Number	0065130665
Date	Dec 4, 2023
Book Page	6513/665
Instrument	2023157373

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	285 Months
Due	Sep 1, 2047

May 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Transaction Type	Mortgage
Record Updated	Dec 12, 2025
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Investor	Possibly a Property Investor

Mortgage

Document Number	0067881645
Date	May 15, 2025
Book Page	6788/1645
Instrument	2025061759

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	268 Months
Due	Sep 1, 2047

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045

Mortgage

Document Number	0058331137
Date	Nov 16, 2020
Book Page	5833/1137
Instrument	2020156336

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Sep 1, 2047

September 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	OSCEOLA FL
Recording Date	Sep 14, 2017
Property Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Document Number	0052080077
Book / Page	5208 / 0077
Map Reference	MB6 PG44
Instrument Date	Aug 29, 2017
Instrument	2017130544
Transaction Type	Transfer
Record Updated	Feb 8, 2022
Title Company	LANDCASTLE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,644.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Investor	Possibly a Property Investor

Mortgage

Document Number	0052080091
Date	Sep 14, 2017
Instrument	5208/0091

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	OSCEOLA FL
Recording Date	Aug 29, 2017
Property Address	5687 MERLIN WAY, SAINT CLOUD, FL 34772-7045
Document Number	0052012560
Book / Page	005201 / 002560
Instrument Date	Aug 17, 2017
Instrument	124787
Transaction Type	Foreclosure
Record Updated	Oct 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3217 DECKER LAKE DR SALT LAKE CITY UT 841193284, SALT LAKE CITY, UT 84119-3284

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	$3,731.00 (+6.24%) Homeowner's exemption	$251,372 (+5.99%)	$413,700 (+11.42%) Land $85,000 Building $328,700
2023	$3,512.00 (+3.6%) Homeowner's exemption	$237,173 (+3%)	$371,300 (+15.17%) Land $70,000 Building $301,300
2022	$3,390.00 Homeowner's exemption	$230,266	$322,400 Land $65,000 Building $257,400

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 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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