5688 Merlin Way, Saint Cloud, FL 34772 Property Records

Osceola County property record for 5688 Merlin Way, Saint Cloud, FL 34772

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,590 sqft · built 2002
Lot Size	0.339 acres (14,767 sqft)
Owner	Owner Name on File
Last Sale	$255,000 (Sep 2008)
Tax Bill	$8,050 (2025)
Deeds & Mortgages	Nov 2023 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`87091`

Property Details

APN / Parcel Number

Primary APN	`87091`
Alternative APN	`232630003200010200`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,590 sqft Heated Area
Gross Area	3,796 sqft
1st Floor Area	1,540 sqft
Upper Floors Area	1,049 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Exterior Material	Stucco
Construction Type	Frame
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	14,767 sqft (0.339 acres)
Lot Dimensions	171 ft deep x 88 ft wide
Garage Type	Finished
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	364 sqft
Porch	Finished/Screened Porch
Porch Area	546 sqft
Deck Area	392 sqft
Fence	Fence

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC

Location & Zoning

Account Number	87091
Street Address	5688 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 20
Legal Range	30E
Legal Township	26S
Legal Section	23
Legal Subdivision	CAMELOT
Legal Tract	32
Legal Block	1
Legal Lot Number	20
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 · APN 87091

Assessment roll updated July 1, 2025 · Last verified December 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	5688 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2008 · Amount on Record
Deed Sale	Sep 30, 2008 · Amount on Record
Prior Sale	Oct 08, 2001 · Amount on Record
Deed Document Number	2008156723
Deed Book / Page	3743 / 2183
Record Updated	Jun 08, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OSCEOLA FL
Property Address	5688 MERLIN WAY, SAINT CLOUD, FL 34772-7047
Transaction Type	Mortgage
Record Updated	Dec 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0065101449
Date	Nov 28, 2023
Book Page	6510/1449
Instrument	2023155131

Lender

Name	FINANCIAL RESOURCES FCU
Type	Credit Union
Address	BRIDGEWATER, NJ 08807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 10, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Osceola County records · Assessment roll updated July 1, 2025 · Last verified December 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

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	$8,050.00 (+16.7%)	$488,000 (+11.19%) Land $85,000 Building $403,000	$488,000 (+11.19%) Land $85,000 Building $403,000
2023	$6,898.00 (+11.71%)	$438,900 (+15.29%) Land $70,000 Building $368,900	$438,900 (+15.29%) Land $70,000 Building $368,900
2022	$6,175.00	$380,700 Land $65,000 Building $315,700	$380,700 Land $65,000 Building $315,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 24, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
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

Wildfire Risk	Low lower than 65% of the US · lower than 91% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
Lumen Technologies DSL	140 / 20

May also be available: AT&T, Xfinity.

Based on FCC filings for 124 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of 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

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 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.